23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Union Bank issued new credit cards to its customers after changing the company that handles the credit cards to Union Bank. I have been unable to register the card autopayment, an error continues to occur showing the autopay feature has been turned off, though I continue to enter the info over and over again for autopay. It also does not allow for anything other than the minimum payment due, or the full balance, to be allowed to be paid, XXXX as a specific amount. I have been on hold for over XXXX hours with Union Bank, both customer service and technical support.
Product: Mortgage

I am currently in a chapter XXXX bankruptcy plan since XX/XX/XXXX. Lakeview Loan Servicing LLC is trying to take steps to foreclose on my primary residence. On XX/XX/XXXX, they filed a motion for relief from the automatic stay in bankruptcy court showing that I was 120 days past due and owed {$5700.00}. We have provided them evidence and proof of payments showing that I was less than 90 days past due and only owed {$4200.00} as of XX/XX/XXXX. We have also sent them proof that as of XX/XX/XXXX, I have brought my account current and am no longer past due. However, due to issues with their accounting systems, they continue to show that I am past due and continue to pursue the motion for relief so they can foreclose on my home. In my opinion, they intentionally mislead the bankruptcy court by submitting the motion for relief by showing that I was 120 days past due when I was not as the regulations set by the Consumer Financial Protection Bureau ( CFPB ) state that foreclosure proceedings should not begin until the consumer is 120 days or more past due. The CFPB also regulates how mortgage servicers use the suspense account. Lakeview Loan Servicing LLC is also abusing the use of the suspense account. The only time a payment is to be placed in the suspense account is if an underpayment is sent or overpayment is sent. However, ever since I have filed bankruptcy, according to the account ledger that the mortgage servicer sent us, every single payment that I have made, even if it was the exact dollar amount of my monthly payment, was placed in the suspense account instead of immediately being applied to my balance due. Furthermore, even when partial payments were sent and when there was enough funds in the suspense account to equal a full months payments, the funds were not immediately applied to my balance as the CFPB regulations require and were held in the suspense account for a extended period of time. 

Furthermore, while in bankruptcy, Lakeview Loan Servicing LLC increased my monthly payment without any notification to me, my lawyer, or to the bankruptcy trustee. That is a violation of bankruptcy laws as bankruptcy rule 3002.1 requires the mortgage servicer to provide at least 21 days notice to the consumer, their lawyer, and to the bankruptcy trustee regarding the increase in payment and the cause for the increase in payment. This notice was not provided by Lakeview Loan Servicing LLC and as of yet, they have not provided an explanation as to why they failed to provide this notice.
Product: Mortgage

After locking our rate at 2.625 % on or nearXX/XX/2021, our rate changed at some point before XX/XX/2021. I did not authorize the rate change. When I asked why our rate changed from 2.625 % to 2.5 %, Better Mortgage could not explain why it changed. They ultimately said this was some kind of technical " glitch. '' With the rate change, our fees and credits changed as well. Because it happened automatically, they said they could not tell me what changed in terms of costs. I was concerned because I wanted to know if points were paid for to attain a lower rate. To help, they added some credits to my account on XXXX and again on XXXX. With the credits, we continued the loan process. 

The day before signing our final documents XX/XX/XXXX, they swapped many numbers on the Loan Disclosure. I believe they did this to hide where the credits were to make their own price up. By updating the county property tax ( which we informed them was wrong on XX/XX/XXXX via email & confirmed with the county & title company ), their defense is that a lowered property tax is why all the numbers changed drastically. They said they could not explain exactly how. Our final loan estimate from XXXX to XX/XX/XXXX was stating we would need {$140000.00} to close based on a 12-month prepaid county property tax ( for {$8600.00} ). 

On XX/XX/XXXX, they updated the county tax prepaid to {$2200.00} ( based on the correct county property tax ) creating a {$6300.00} gap. When I compared the " Cash to Close '' between estimate & loan disclosure the difference was only ( $ XXXX XXXX {$3400.00}. What I wanted to understand was where the {$3400.00} credits went. I understood there could be fluctuation in the difference such as the home insurance we purchased for {$570.00}, but I thought the gap was too big. No one could explain the gap besides telling me it was because the tax amount was different, which I already understood. 

On XX/XX/XXXX our cash to close went up to {$130000.00}, creating nearly a {$4300.00} gap from what I expected based on the logic of the final loan estimate. I thought a more reasonable difference from the estimate to final loan disclosure would be somewhere around or under {$1500.00} instead of what materialized to a {$4400.00} gap. 

In my opinion, the loan estimate mistake ( rate change without authorization ) was covered up by throwing credits at our loan only to get us to accept moving forward, and then pulling those credits out just when we needed to sign & close on the home. It felt like a bait & switch to me, which I read was illegal so I wanted to make this complaint in case other customers are also dealing with this problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : Account number XXXX Subject : Formal complaint for failing to correct inaccurate information on my credit report. 

Experian has failed to follow Consumer Credit Laws and protocols regarding the accuracy of information on my credit report. Despite my previous efforts to dispute the inaccurate information contained in my report, Experian has failed to properly investigate and rectify this error as required under the Fair Credit Reporting Act ( FCRA ). Experian has also Violated 15 USC 1681 ( a ) 6 ( B ) 3 & 15 USC 1681I ( a ) ( 5 ) B. This failure has caused significant harm to my finacial reputation and over all well-being. 
The inaccuracies n my credit report include : 1. There is a incorrect balance after the account was reported " Charged-off '' 2. My report shows that I was 30 days late for a payment 21 times, which is incorrect.

3. The late payments is associated with not only an inaccurate balance of {$13000.00} but a fraudulent account on my credit report. 

I have already submitted disputes regarding these inaccuracies on XXXX XXXX XX/XX/XXXX XX/XX/XXXX. Including supporting documents to verify the errors. Despite these efforts Experian has ; -Failed to properly investigate and verify the accuracy of the disputed information. 
-Continued to report inaccurate information, in VIOLATION of Section 611 of the FCRA , which requires credit reporting agencies to correct or delete inaccurate or unverifiable information.

-Caused significant financial and personal harm by allowing these inaccuracies to remain, including denial of an apartment for myself and children, increase interest rates and emotional distress among other things.

I demand Experian Immediately 1. Conduct a Full proper and correct investigation of the disputed items, as required by law.

2. Provide me with written confirmation that the inaccurate information has been removed or corrected XXXX. Provide mw with a free credit report to ensure accuracy. 

Please note that under the FCRA, I am entitled o a resoultion of this matter. If Experian fails to take corrective action, I will not hesitate to escalate this matter to my state attorney general 's office. Additionally, I resreve the right to pursue legal action for the damages caused by Experian negligence in maintaining my accurate credit reporting practices. 

Thank you for your prompt attention to this serious issue.
Product: Vehicle loan or lease

I called American Honda Finance on XX/XX/2017 tonask for a special payment plan because Inwas in between jobs and I needed assistance. The representative stated that I qualified for a special payment plan since I had a great payment history for the past 2 in a half years prior. They asked me if I wanted to initiate this special payment plan and I agreed and said yes. This special payment plan allowed me to bypass two months of payments. They then mentioned they would temporarily remove me off of easy pay and to call back a month later in XXXX if I wanted to get back on easy pay. Only if I had the means to make a payment. I received no calls or no notifications that my payments were late because To me they representative stated I would be on the special plan. I then call back in XXXX to make sure everything was well and was going okay and they informed me I was behind on my payments! I asked why if I was on a special payment plan and they stated that I never initiated the payment plan! I stated that I did because I really needed it and they denied it so now my credit score went down 54 points!! They dropped the ball because they told me to call back if I wanted to get my on easy pay and they stated that they told me to call back to initiate payment plan which is false because I needed the special payment plan to go into affect immediately starting when I called!
Product: Vehicle loan or lease

I PURCHASED A LEASED VEHICLE FROM XXXX  XXXX XXXX BACK IN XX/XX/XXXX.FAST FORWARD TO XX/XX/XXXX, I WENT INTO THE SAME DEALERSHIP FOR AN OIL CHANGE AND WAS ADVISED THAT THEY HAD A BUY BACK PROGRAM WHERE THEY WERE BUYING PEOPLE OUT OF THEIR LEASES. SO I ENDED UP WALKING OUT THE SAME DEALERSHIP WITH A NEW XXXX  XXXX XXXX. WHEN TALKING TO THE SALESPERSON WE TALKED ALL ABOUT GAP INSURANCE AND THE PAYMENTS & I THOUGHT I WAS SET. WELL A FEW WEEKS AFTER THE PURCHASE I WAS MAILED A REMAINDER STATMENT FOR MILEAGE AND WEAR AND TEAR. I IMMEDIATELY REACHED OUT TO XXXX  XXXX XXXX TO SEE WHAT THAT WAS ABOUT. I WAS TOLD HE WOULD LOOK INTO AND HAVE IT FIXED. WHICH WAS THE LAST TIME I HEARD ANYTHING ELSE ABOUT THE LEASED LOAN. WELL I AM CURRENTLY IN THE PROCESS OF PURCHASING A HOME AND I WAS ADVISED THAT THE LOAN IS STILL SHOWING CURRENT AND OPEN, WHICH WAS MINDBLOWING TO ME AS I HADNT MADE A PAYMENT SINCE XX/XX/XXXX& THE BALANCE WAS SUPPOSE TO BE TAKEN CARE OF.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are incorrectly reporting a collection that was posted on my credit score from XXXX XXXX XXXX XXXX  ( based on an unjust bill from XXXX XXXX XXXX  ). I broke my lease in XXXX of XXXX and only lived there for only 5 months. My apartment was left in the same condition as it was given to me but they charged me {$340.00} for painting, refurbishment fees. They have no proof that the apartment was left in poor condition to warrant this {$340.00} fee nor did I sign an agreement stating that Id be charged this amount from the complex if I leave the apartment in a particular condition. This collection has negatively impacted my credit score and XXXX XXXX XXXX XXXXXXXX stated that they will not delete this collection from my credit report, even though I paid the collection off. Additionally, XXXX, Experian, & XXXX are still reporting this collection on my credit even though Fair Collections and Outsourcing has no proof of the apartment condition or paperwork that I signed agreeing to pay a particular painting fee. Since XX/XX/XXXX, Ive filed disputes with the credit bureaus and nothing has changed. XXXX XXXX XXXX XXXX  needs to be held accountable for not deleting an incorrect and fully paid collection from my credit report. The credit bureaus also need to be held accountable for verifying incorrect collections information on my credit score.
Product: Student loan

I established recurring monthly payments thru Navient and XXXX XXXX XXXX in late XX/XX/XXXX and my employer, XXXX XXXX XXXXXXXX XXXX in XXXX County, provided information for the Public Service Loan Forgiveness Program enrollment. As far as I knew, timely payments were being made. This is evidenced by my inquiry into a home loan and financial counseling with XXXX XXXX in early XX/XX/XXXX and my payments were up to date at that time. In late XX/XX/XXXX, I get an email from XXXX XXXX stating that I 'm 4 months behind! Naturally, I call right away to straighten the situation out. I learn from Navient that no payments were made SINCE XX/XX/XXXX and they had a street address in Texas and an email contact that was not mine. They made no effort to address the problem or discuss how/why payments were ceased ... ..and I HAD NEVER BEEN NOTIFIED of any issue. But now I 'm being penalized for the problem. The only option I was given was to enjoy a deferment until XX/XX/XXXX WHICH WAS NOT NECESSARY. Now, my credit score has dropped more than 100 pts with XXXX and I have no option for a home loan ... .which I had planned to apply for this XX/XX/XXXX. I need help! I need Navient to explain to me what happened and TAKE RESPONSIBILITY for mishandling my loan payments, possible re-enroll me in the PSLF program and acknowledge any interruption in payments was their fault. I 've fought my way back to XXXX after being XXXX by a XXXX XXXX XXXX on, XXXX two parents after battles with XXXX and I HAVE NO FINANCIAL SAFETY NET. I had to rebuild everything I had from scratch and I am quite tired. I would be most grateful for any guidance you can offer. I will be submitting another phone inquiry to Navient in the next 3 business days to confirm my recent tax information has been accepted online and they are prepared to reinstate lower payments ( as I lost a 2nd job last year and have nearly {$8000.00} less in annual income now ). I still need an explanation and some sort of accountability for Navient 's error so I can be made whole again and reduce considerable anxiety about what I 'm going to do about a home in the future. Thank you for your attention and assistance. Very grateful this options is a real one to get sound advice! XXXX
Product: Checking or savings account

My report allegedly claimed ova XX/XX/year> yrs old i cant open acct r get credit card build credit buy home i dnt know wats on my report r why
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX-XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX my social security XXXX, citi bank lowered my cridit limit which lowerd my cridit score 10 points, where i also ran to another problem with them so its like i paid minimum payment and i noticed the minute i pay the minium payment citi bank posted, citi bank post new minimum payment where the new one double of the old one ( where i end up paying three times the original down payment ) yet citi bank repeat that with the next month, the thing i have no problem on pay full balance but i ran to the need to get a personal loan the more i put down payment the lower interest rate it will be my payments where in sensitive citi bank went and lowered my cridit limit where it lowered my cridit score where it hit me hard becuase im working of getting loan, its like i have no idea that citi bank have problem with me paying the minium payment its like why this abuse, its like it took out what im not consuming where im not planning to consume it but this practice lowered my cridit score 10 points
Product: Credit card or prepaid card

This complain is about the Navy Federal cash rewards credit cards. I have been banking with them since 2014 and I have the credit card in question since then as well. currently the limit on my credit card is {$16000.00}. While I was in   XXXX    program, I made a conscious effort to go into a partnership business by setting up a   XXXX   XXXX   borrowing off my credit card with the hope of increasing my source of income. Overtime, this was n't the case and currently I have been paying back on this credit card. Recently, I realized for almost a year now I have been paying the minimum amount on this card without using it for any purpose, yet this whole payment has been overshadowed by interest on purchases and interest on cash advances which in return literally takes my minimum payment for interest only. I did a personal calculation on what I have paid so far in a year it all summed up to about {$6500.00} yet my credit card debt only show an available balance of less than {$1000.00}. Meaning they are forcing me into some form of debt servitude/peonage because despite making monthly payment I ended up still subjected to making more and more payment only for them to claim interest on it. Initial reaction I thought minimum payment only meant you have more years to pay off your debt not pay off some false interest that is usually taken what you pay. I hope this can be resolved with this bank because they are taking advantage of service members with this practices at the expense of their own existence. This is a fraud and something has to be done if not it will be extended farther than expected. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX Certified mail documents verifying my identity to dispute the reports on my credit are inaccurate Notify by phone about said issues with my credit report as invalid Identity Theft
Product: Credit card or prepaid card

Coinbase suspended my Coinbase Debit card ( ending XXXX ) claiming that the card terms were violated. I used this card solely to pay bills in XXXX and XXXX XXXX banks, and that is not in violation of the card terms. I contacted the Coinbase support and they said they can not unsuspend/reactivate the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Chime credit builder card inaccurately reports card balances to CRAs to be viewed as revolving credit without a credit limit. This practice has led to higher balances being reported than what is due and furthermore has resulted in multiple decreases in my credit scores across the bureaus due to the credit utilization algorithm. 

Info on reporting and payments with Chime : 1. Card statement is from the XXXX to the following month on the XXXX. 
2. The Chime credit card payment due date is the XXXX of each month. 
3. The Chime payment date is the XXXX of every month. 
4. I add funds to my chime credit card and chime will put aside payments for the card and pay automatically on the XXXX of every month. 

Issues : 1. The payment date occurs on the XXXX of every month even though the statement cycle is XXXX to XXXX. This means the amount due is always based on the month prior balances. 
2. Since balances are based on the month prior, a balance carries over into the next billing cycle. Thus a constant balance is reported to CRAs. Chime adds account notes saying the account was paid in full, but this is inaccurate based on the balances reported. 
3. Due to the misleading/inaccurate Chime reporting, this has affected my credit utilization and resulted in my credit score dropping two to three times significantly. 
4. Chime acknowledged twice that the reporting date does not align with the statement date nor the payment date, yet they continue to falsely report that I have a balance when I do not. 

Specifically : On XX/XX/2021, my credit score dropped an average of 23pts across all bureaus. 
Reason : Chime updated the bureas that I had a balance increase of {$140.00}. Bringing the total balance to {$430.00}. On XX/XX/2021, Chime sent the Chime builder statement showing that {$290.00} had been paid on XX/XX/2021. This means that Chime should have updated the balance on XX/XX/2021 to only be {$140.00}.
Product: Mortgage

My wife and I were away traveling overseas and did not have access to email. We thought we had set up autopay for our mortgage. We were away from XX/XX/XXXX to XX/XX/XXXX for travel overseas. We were not able to receive any mail till XX/XX/XXXX. At that point we were told we were 30 days late for a payment. We immediately corrected the problem but we received a bad mark on our credit report. We have not had a late payment for the last 20 years on my credit report. We believe Wells Fargo Home Mortage is being unreasonable in this situation. We have contacted Wells Fargo but they have refused to fix the credit reporting. This is unfair and we didn't receive notice.
Product: Checking or savings account

Old Staement : My Capital one debit card was stolen XX/XX/year>. I filed the dispute XX/XX/year> with capital one. The fraudulent charges in the amounts {$2500.00}. and {$3200.00} was disputed. At the time that I disputed these, I was very XXXX. I had just got out of the XXXXl and was on bedrest when all this happened. I informed capital one to the best of my knowledge about the transactions and what had happened with my card. When I started to feel better I called the merchants myself. One of the merchants told me that it was a male that had use my card to check into a hotel. Capital one never did an investigation about this and denied my claim. Capital One did not protect me and my funds. Capital one gave me a credit for half the money back and then did My clean the next day or the same day?. New statement : Capital one has not investigated early. They are assuming things and they know that I did not make these transactions and thats someone else done so. My entire bank account and online access was compromised. One has not done anything about this, but gave me half of my money back and are threatening to take that back on XX/XX/XXXX. They never contacted the hotel where all my funds was used by a male. I spoke with the hotel myself, they informed me that a male used my card to check in. My XXXX hacked my online banking and locked me out also. Its like Im doing the investigation myself. This is not right. I need my money back.
Product: Checking or savings account

I just wanted to know will I be entitled to any money for the settlement that's owed to Wells Fargo customers My problem is just the much added fees to overdrafts No other problem with me Wells Fargo is alright with me Just trying to see if money is owed because I been with the bank for over five years If Thank you
Product: Mortgage

My father died XX/XX/XXXX. Before his death he made my XXXX brother and I beneficiaries of his home. His Mortgage is with Ditech and he was paying for insurance that would pay for the house upon his death. Not only has Ditech refused to talk to us, ( my father did not make a will ) and they have not honored the insurance my father purchased. Because the property is worth less than {$50000.00}, and it is in CA no probate is necessary. I have sent Ditech many documents stating this fact, but they still refuse to discuss the account with me and have sent a notice that they were going to start foreclosure on XX/XX/XXXX. Since they consistently refuse to discuss this account or honor the insurance, I have to file this complaint. I am out of ideas. I have been to an attorney 3 times and I do n't know what else to do