23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My monthly mortgage payment will increase by {$600.00} effective XX/XX/XXXX due to escrow. In XX/XX/XXXX, my loan was transferred from XXXX XXXX XXXX  to Mr. Cooper Mortgage. XXXX XXXX states they paid my school taxes of {$6000.00} before transferring the loan to Mr. Cooper. Mr. Cooper stated that they paid my school taxes after the load was transferred to them. If both mortgage companies paid, this would have resulted in two payments for the same school taxes ; hence, an overpayment.

Per Mr. Cooper, their escalation department contacted the county to verify how many payments they received for XXXX and the county confirmed that only one payment was received for XXXX. Afterwards, I reached out to Mr. Cooper asking who submitted the payment to the county : XXXX XXXX or Mr. Cooper and Mr. Cooper stopped responding to my inquiries. I have been trying to resolve this matter for sometime. We do not have an additional {$600.00} to add to our current mortgage payment. We understand that mortgage payments can fluctuate ; however, an additional {$600.00} is extremely excessive. 

We would have never purchased a home that would cost us an additional {$600.00} per month. This is way out of our budget. 

Can you please help us.
Product: Debt collection

I was first contacted by XXXX XXXX with UCRB ( telephone number ( XXXX ) XXXX ) on XXXX/XXXX/XXXX claiming that he was with UCRB, he was looking for a verbal statement from me for his final recommendation on a matter so he could submit paperwork. He reached out to a family member as well prior to contacting me. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. If I did not do this my wages would be garnished. I contacted the original debtor and was advised that my account was in fact transferred to a collection agency ; however the agency name was XXXX XXXX XXXX management and not UCRB ( where XXXX was calling from ). I tried to contact XXXX at phone number XXXX, ( provided by the original debtor ) and was unable to get thru, a message from version played that my call was not able to be connected. I googled XXXX for another phone number and was able to locate phone # XXXX, however to no avail there was a voicemail message asking for you to leave a message however their inbox is full and your call is disconnected. Please keep in mind I have never recd paperwork from this company ( UCRB ) in the past and now they are threatening garnishing my wages.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed.

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

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


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

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

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

Delete the late payments from my consumer reports
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX XXXX5 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 seven 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: Mortgage

My mortgage is serviced with Lakeview by XXXX. Their website will not allow payments and when I call their number to pay over the phone the automated system disconnects the call. My concern is now that I am unable to make a payment that I will be charged additional interest since my payment wont be credited on the date I wanted to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this company 2 letters asking for help to resolve this issue with them. They have ignored my request to communicate with them about this is. I have provided copy of police report and letters asking them to provide me with information that bare by signature showing that I have authorize them to pull my credit report for any purpose. The repeated non communication from the blow company about this serious issue shows that they are in violation of my rights : as per the Fair Credit Reporting Act section 611. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ).
I have also taken the necessary steps to put fraud alerts on my credit profile as a safe guard to help prevent this from happening in the future.
Capital One Bank USA Na XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize your company to make this inquiry : Date from XX/XX/XXXX and XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit card or prepaid card

I recently applied for XXXX XXXX credit card, for dental implants. I applied initially to Synchrony bank. I was denied. I did not understand, because I have good credit, which I check all the time. I then applied through another company, and was approved right away, up to {$10000.00}. So now I am really curious why I was declined for service by this bank. 
I got the denial letter, two weeks later. The claim on the letter said I was denied because I already had an existing account. The information was not correct. I had never heard of the bank, nor were they ever on my credit report. 
After calling and investigating why I was denied, the agent on the phone, XXXX, put me on hold, came back with an unacceptable answer. He said I was denied, because a few years ago, someone applied to XXXX XXXX, with my social security number, which is still in their system. I asked them, how could someone use my social, and this info not show up on my credit report. He did not have an answer. 
As a consumer, I take pride in watching and monitoring my credit report. I am very familiar with what is on the report, because I check it all the time. I have not been denied credit in years, so, I thought I better follow through with this complaint. It does not make sense, therefore, I am asking for an investigation. I am also attaching letter of approval from the XXXX XXXX, in the amount of {$10000.00}, when I applied with them. 
Thank you in advance.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquires this is all incorrect I been disputing this accounts since last month but still showing on my credit report i want to delete it now. I'm so stress. 
XXXX  Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : AMEX - AMERICAN EXPRESS BANK , XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX : account number XXXX XXXX XXXX XXXX : account number XXXX XXXX XXXX XXXX XXXX : account number XXXX -XXXX XXXX  : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my written my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Reporting inaccurate information despite me giving them notices alone with the law that supports my claim. Attached are my supporting documents.
Product: Vehicle loan or lease

On XXXX, I purchased a used vehicle from a local auto dealer. The loan, to finance the purchase, is through Fifth Third Bank , National Association. 
I have made all payments thus far ahead of time. 
I created a login with Fifth Third Bank to make loan payments and monitor my loan progress and status. 

1 ) The nearest Fifth Third Bank location is over 300 miles from me.

2 ) I am unable to reach a customer service representative by phone because I do not have a checking account number and their automated answering system does not recognize my Social Security Number.

3 ) The web site does not allow me to see how loan payments are applied.

4 ) The web site does not allow me to see when my next payment is due.

5 ) The web site does not allow me to see the full history of my loan.

6 ) The web site does not allow me to set up an automatic draft on my checking account where my Social Security Income is drafted. 

This is quite concerning to me, considering : - the negative effect these bank shortfalls have on low income customers, - the fact that a customer can not talk to an employee of Fifth Third Bank, even after holding for over an hour ( low income people do not have the time during the working day to take hours out to wait on their bank to answer their customer service calls ), - the hundreds of complaints lodged on Fifth Third 's website against the bank that continue to go unanswered. 

The CFPB has the responsibility and authority to protect those of us who are barred from contacting their bank and are unable to obtain basic information. Please stand up for us! 

Thank you,
Product: Credit card or prepaid card

Last XX/XX/XXXX, I requested for a balance transfer of {$4000.00} sent to myself from my capital one credit card for a promotional offer of 1.99 % for 12 months with balance transfer fee of 2.99 %. On same day I called the customer service and ask there is a way that I could get the money quicker and they said that I have to wait for 15 days. On XX/XX/XXXX, I called to cancel the balance transfer because I will not get the money on time. They told me that I cant cancel it because it is still pending and to call back when it is posted because they cant get the check number. Today XX/XX/XXXX, I called capital one because the amount of {$4000.00} plus the balance transfer fee of {$120.00} dollars already posted. They told me that I have to wait 15 days to cancel it. I dont think this is right. The balance transfer amount should not be posted into my account until I in cash the check. In addition, I need valid reason why I cant cancel the transfer.
Product: Debt collection

First Credit Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX {$63.00} Amount Disputed Dear Sir : First Credit Services Inc. is attempting to collect an invalid debt referred from XXXX XXXX, XXXX XXXX, XXXX WA XXXX a membership that was executed when I was a minor. Additionally the membership was cancelled in writing certified registered return receipt with my parents under COVID-19. All three memberships were cancelled at the same time. same letter. Memberships were cancelled in XX/XX/2020. Any fees associated with my parent memberships were waived. The fees associated with this membership apparently were not removed due to my age? I was supposed to hear from a XXXX XXXX Manager as representatives are not empowered to deal with this type of situation. However I never did. I received a collection letter dated XX/XX/2020 This is clearly age discrimination and an unfair, deceptive and abusive practice. XXXX XXXX in XXXX WA refused to treat me the same as my parents. 

I have asked for proof of debt and sufficient proof of why I am being treated differently due to my age. The related memberships are closed and paid in full. Any associated fees were waived. This membership should have received the same fair and equal treatment. All three memberships were on the same auto pay from my parents account and in good standing until the membership were cancelled. The only difference is my age and age of consent. This is not a valid debt and it should not have been forwarded to First Credit Services. Any derogatory credit reporting should be corrected immediately. 

I am currently unemployed which makes this even more disturbing.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting

I have a dispute with a negative, item on my account that has been paid, it was originally delinquent XX/XX/2007 and because of that it has been over 7 years and should be removed from my account, the creditor and or the reporting agencies keep changing the date of delinquency, I have an old credit report showing the info and a new XXXX showing that it keeps changing. I have filed disputes but all I get out of it is the date delinquency getting newer and will take longer to be removed. I have included the XXXX reports from equifax but I have had the same treatment from all XXXX agencies.
Product: Prepaid card

XXXX XXXX XXXX XXXXXXXX XXXX XXXX contracts investment fraud conflict of interests 18 U.S.C. Section 208 associative in relations to 15 U.S.C. Section 1637 and 15 U.S.C. Section 1666 advertisement applications income tax refunds credit debit cards, or directive relationship interests to XXXX, XXXX XXXX XXXX, Internal Revenue Service, XXXX XXXX XXXX, XXXX Washington , D.C. XXXX that conflicts with the performance of contractual official duties described as decisions, approvals, disapprovals, recommendations, the rendering of advice, investigations, or otherwise, in a judicial, or other proceeding affecting excise exempt personal property income salary tranches, commerce 18 U.S.C. Section 641 stolen government property 18 U.S.C. Section 2314 income tax refunds EFTA E-File, 18 U.S.C. Section 8 indebtedness, securities registration XXXX, or 15 U.S.C. Section 1692 ( c ) bond debt collections, or rescission of securities 15 U.S.C. Section 1635, finances contractual resources misapplication 18 U.S.C. Section 656, and aggravated identity theft 18 U.S.C. Section 1028A participations ; withdrawals by negotiable instruments 12 U.S.C. Section 1832 ( c ), or transferable instruments for transfers to third parties, 18 U.S.C. Section 1001 false financial statements latency over the periods 2021, 2022, 2023, and 2024 encompassing interstate commerce 15 U.S.C. Section 1214, the property description reportable statement XXXX Salaried Income Tax Refund XXXX Adjusted Gross 26 U.S.C. Section 62 transactions purpose means, the depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or *registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means.
Product: Checking or savings account

Check fraud was reported to Ally Banks loss prevention team on XX/XX/22, when it was discovered that a check I had written to a local business was stolen and cashed without endorsement. Since then, Ally has failed to give me regular updates on the investigation, and I was informed today that the investigator has not yet reached out to XXXX XXXX XXXX, where the check was fraudulently cashed on XX/XX/22. I have made multiple calls to Ally over the past two weeks, and have not been given satisfactory answers in regards to the investigation.
Product: Credit reporting or other personal consumer reports

I request your assistance in resolving an issue with TransUnion Consumer Solutions. I am concerned about their failure to properly address my dispute regarding an unauthorized hard inquiry on my credit report. 

On XX/XX/XXXX, I discovered a hard credit inquiry listed on my TransUnion Consumer Solutions credit report that I did not authorize. This unauthorized inquiry has negatively impacted my credit score.

I contacted TransUnion Consumer Solutions on XX/XX/XXXX, and again on XX/XX/XXXX, to dispute this unauthorized inquiry. Despite providing all necessary documentation, TransUnion Consumer Solutions failed to conduct a proper investigation and did not remove the inaccurate inquiry from my report.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to inform you that as of XX/XX/XXXX, I received a response from XXXX XXXX regarding my complaint numbered XXXX via their website. In their response, they stated that their representative did not mislead me into allowing my account to go delinquent for the processing of my Loss Mitigation application. They also indicated that they are unable to make changes to the information furnished to the credit reporting agencies. 

In response, I emailed them back via their website, outlining my ordeal and providing supporting documents, including correspondence between myself and a XXXX XXXX representative. 

Please see the attached documents, which comprise XXXX XXXX response, my letter dated XX/XX/XXXX, and the emails from their representative supporting my claim that I was misguided. 

Thank you for your attention to this matter. 

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

On XX/XX/XXXX, I sent an investigation requests to the credit bureaus. Over 30 days have passed, and I have not yet received responses as I should have.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated, otherwise please CORRECT this account immediately. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX $ XXXX Late Date XX/XX/XXXX
Product: Student loan

At the onset of the Covid-19 pandemic, on or around XX/XX/2021 to present, I have incurred interest on both of my consolidated Federal Student Loans. The Federal government through the Department of Education, is providing Student loan borrowers interest relief of XXXX dollars due to the Covid-19 pandemic. 
I have contacted my Student Loan Servicer and they are refusing to provide this interest relief on both of my loans because they state these are private loans funded by a bank, although they were Federal Loans under SalieMae. I am attaching documents of both loans indicating proof they are Federal ( FFELP ) Loans.
Product: Money transfer, virtual currency, or money service

Hi i deposited {$10000.00} in gemini XXXX  i tried to explain to them that they allowed a scam or fraud transaction from my money to different etherium address. 
this happen at date XX/XX/2023 i have all the proves what happen in my account. 
Gemini did not respond to me for an of my question. 
Gemini platform agreement says that they will reimburst the customers for any money loss.