23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Global Credit Union Customer Service : XXXX Loan Number : XXXX XXXXXXXX XXXX I made a wire transfer payment for the full balance of the mortgage ( {$340000.00} ) per the Payoff Statement I downloaded from their website. 

XXXX XXXX The following day I called the customer service number. The Global Credit Union representative confirmed that they had received the payment, and that the loan was paid in full. I requested a Lien Release and a Paid In Full Letter. I was told either of these items would take 60-90 Business Days for them to process and send to me. I told them that was unacceptable because the loan would effectively show as outstanding on my credit report for XXXX of a year after I had paid it in full. They suggested that I go to the County and request a lien release through the County for a fee - that would be faster than getting one from Global Credit Union ( the lender ). 

I do not think its reasonable that a lien release from the lender should take 60-90 business days when the loan is paid in full.

I do not think it's reasonable that I have to pay a fee for a lien release through the County when the lender should be able to easily provide one. The lender is the one releasing the lien. Why can't they release their lien on the day they receive payment in full?

I do not think its reasonable that my credit report will not be updated for 60-90 days to reflect my full payment of this mortgage.

I want them to send me a Lien Release and a Paid In Full letter within 7 days. I think thats more than reasonable. 

Thank you for your assistance.
Product: Payday loan, title loan, personal loan, or advance loan

OneMain signed me up for optional products when I went in to sign up for a loan.
Product: Mortgage

I paid a projected escrow shortage to my mortgage company in XXXX of XXXX electronically. ( XXXX. ) When I received my XX/XX/XXXX statement it showed they had charged me an additional {$66.00} for the projected escrow shortage. 
I contacted their customer service both by e-mail and phone. 
I explained that the escrow payment had been made in XXXX so they shouldn't charge me monthly for a fee I've already paid. I also noted that I indicated that I paid an extra {$600.00} per month to be applied to the principle on every payment coupon for the past year or so. They ( M & T ) deducted the extra escrow payment that wasn't needed out of this {$600.00}. I explained to them that I didn't think they could or should arbitrarily move money from one payment type to another without my permission. This is what has me concerned. I was able to get the payment corrected but, I shouldn't have to double check what the Mortgage company does every month with my payments. I did ask for a copy of the XXXX payment coupon as it shows how I intended the money to be applied written on it. I received a copy of my check with the comments that I hadn't indicated on my check how to apply the funds. This makes me more concerned as every month a payment coupon is mailed to me to make such notations on. I have referred my concerns to the Idaho State Department of Finance. They sent it to New York and they have sent me to you folks.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consume trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the XXXX misleading practices and failure to fulfill their advertised promises.
Product: Money transfer, virtual currency, or money service

I booked a vacation home through people named XXXX XXXX and XXXX XXXX on XX/XX/2020 for {$1700.00} and it ended up being a total scam. I had numerous email conversions with this person and i even looked up the property and it does belong to XXXX XXXX. After I did not get a response back a few days before our vacation was supposed to start, I started researching and found XXXX XXXX on XXXX. She had told me that i was involved in a scam. I did a money transfer through XXXX through XXXX XXXX  and this payment was sent to XXXX XXXX at Suntrust bank. I opened up an investigation with them and they said there was nothing they could do. I also have a police report open under incident number XXXX with the XXXX Police Department. There is also a police report open with the XXXX county police under XXXX from a guy named XXXX who we found out also got scammed by the same person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 150 XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The bureaus are reporting a current balance of either {$72000.00} or {$82000.00} as of XXXX. Both of the balances being reported is wrong. I have attached copies of my bank statements from XXXX, XXXX to XXXX, XXXX. These statements clearly show every on-time payment that has been made on this account along with the correct current balance. The lates being reported on my credit report are absolutely false and need to be removed IMMEDIATELY. This false reporting of lates is seriously harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$260.00} {$260.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 90 Days Late 60 Days Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
**CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Closed or paid account/XXXX balance Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX XXXX OK OK Equifax OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card

As stated previously the account was never 30 days or more late. CFPB I am requesting a proper investigation and to enforce the law. This has been an ongoing issue for months with this creditor who is refusing to comply with the laws under the FCRA. I have never been late in payments with this creditor, and due to inaccurate and sloppy accounting my credit score has suffered. This creditor is reporting to XXXX that I was 60 days late, and has been reporting this false information for over a year. You will see that this creditor is reporting the same account to XXXX that I was 30 days late. How can this be if the bureaus are getting information from the SAME creditor. I am requesting that you hold this creditor accountable. This creditor has assumed a vital role and have a responsibility to report consumer information with maximum accuracy. As a direct result of this creditor reporting conflicting, inconsistent and false information, my credit score has dropped XXXX points. I have been denied credit, I had to take off work and have suffered severe emotional distress. The FCRA law specifically states that if there are conflicting information across the credit bureaus the account should be deleted all together or the late payment must be removed. I have provided proof of the inconsistencies and request that the CFPB hold this creditor accountable for violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX to delete all late payment status from the 3 credit bureaus because it was due to me being furloughed in XX/XX/2020. XX/XX/XXXX my credit report reflected that XXXX did honor my request and I was so pleased and grateful. Sadly the late payment info from them has returned and currently reflected on my credit report. I am sure this is an error. Below is my original correspondence. 

Greetings, I lost my job in XXXX due to COVID19, I immediately filed for unemployment, I didnt hear anything from Unemployment of California for a long time and assumed it was because the overwhelming amount filed all at once. After weeks of nothing I finally received a request to verify my identity, and mailed back requested documents the same day. I finally received my full backpay bringing me to current benefits due to me at the end of XXXX! I made all payments up on time never late until I lost my job when the pandemic hit the world. This one infracture was due to something completely out of my control, and there was no state or government support to aid me with drowning financially unable to meet my normal responsibilities rent, food, credit cards, utilities, student loans etc. All of which have worked with me to update and defer payments during this unprecedented pandemic. That being said I was disheartened when I called Total and asked for them to remove the late from all 3 credit bureaus and they declined knowing the reason and not considering I have a flawless payment history prior. I feel this is severe and not my fault. I have resumed my excellent payment since after receiving my unemployment benefits. I just wish they would be compassionate during this one late payment
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. " " I am not demanding verification or validation of this account. The account listed should be updated to on time as they should be as I was NEVER late. I am expressing my dissatisfaction with the contents of the attached file.

"
Product: Mortgage

My loan was transferred from Seterus to Mr. Cooper as of XX/XX/2019. All communications from both companies stated that my autopay information would transfer, but this was not the case. I logged into Mr. Cooper 's website on XXXX, the first day this was possible and upon seeing my autopay was not set up, I entered my bank account details and set up my payment. Today, on XX/XX/XXXX, I went to work and had a voicemail from Mr. Cooper saying my payment was overdue, so I logged in and saw that no payments were pending and my autopay wasn't scheduled until XX/XX/XXXX! 

I tried calling to verify, but reached a recording saying that they are really busy and to try back later, upon which it hung up on me. 

I went ahead and made my payment, manually entering my bank information again. 

Arriving home from work, I logged in so I could change my autopay date from XX/XX/XXXX to XXXX and found out that they are taking out a payment on XX/XX/XXXX and XX/XX/XXXX. I can't afford this as I have been out of work due to XXXX, so I tried calling, but yet again, I got the recording and was hung up on. Now, I am facing severe financial hardship due to their inaccurate website and total lack of customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was contacted by Synchrony Bank about suspicious charges on my Lowes Credit Card. Approximately, {$14000.00} was fraudulently charged. I verified with Synchrony that these were not my charges. They stated my address had been changed online and they updated it to my actual address and sent me a new card. The new card was intercepted by the fraudster and mailed to their home. XX/XX/2022 the newly issued card had approximately {$12000.00} fraudulently charged. Again, I called in and verified with Synchrony that these were not my charges. They issued me a new card which was intercepted again by the fraudster and on XX/XX/XXXX, {$12000.00} fraudulent charges were posted. I have had to call Synchrony 5 different times regarding this. They have nothing in place to verify address changes or suspicious activity on an account that already has recorded fraud. I just called Synchrony because {$8000.00} is reported on my credit report. The person I talked to was not from the United States and was very unprofessional and would not answer my questions. He kept telling me my card would not be sent because the account was frozen. I called to find out why {$8000.00} was on my credit report and he became very rude and talked over the top of me and would not listen. I had to raise my voice and talk over him. He told me my fraud charges were under investigation but he would not answer my question as to why, of all of the charges that have been fraudulently posted to my Lowes account, {$8000.00} is hitting my credit report. I would have prefer to speak to someone who is more helpful. I ended up hanging up on him because he was rude, unprofessional, inept and obnoxious.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shopped for a new car and auto dealers checked with 37 inquiries without myy consent I certainly did not authorize that many inquieies
Product: Payday loan, title loan, personal loan, or advance loan

One main financial Made sign in for this plan if I get sick will cover my payment. 

Their interest rated are crazy your loan never will go down. I believe I got this loan in XXXX.
Product: Money transfer, virtual currency, or money service

Someone called me from a Usaa phone number reporting that XXXX dollars was going to be debited from my account because someone had Mr debit card information. They stated that in order for me to cancel the transaction I needed to XXXX usaa fraud department. I hung up on the caller to XXXX usaa phone number which happened to be the same number that called me. The phone number called me back and my caller id stated it was usaa bank. I proceeded to follow the steps as I thought it was usaa that called me. I XXXXXXXX XXXX usaa fraud department with the cancellation number the caller gave me. It turned out to be an imposter scam and usaa was unable to get my money back from the recipient bank. They also declined taking responsibility for this action due to some regulations. My concern with usaa is that either it was an inside job that is not being investigated or lack of security for consumers accounts. How is someone able to call a customer from their phone number? How did they get this " my '' information?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year>2025 Office of the CFO Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW Washington, DC 20552 Subject : Complaint Regarding Experian 's Non-Compliance and Inaccurate Reporting Dear Sir/Madam, I am writing to formally bring to your attention an issue regarding Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ) and their inaccurate handling of my credit report. I have reviewed the CFPB 's recent lawsuit against Experian, and my own experience aligns with the concerns raised in that case. 
Specifically, Experian is inaccurately reporting a {$17.00} balance on my XXXX XXXX XXXX  account. This information is false, as I pay off my balance in full each month, maintaining a {$0.00} balance. To support my claim, I have sent Experian all necessary documentation, including payment records, proving the account is paid as stated. 
Despite this, Experian has failed to correct the inaccurate information on my report. Their failure to investigate and properly update my account information is not only a violation of their obligations but also harmful to my financial standing. 
I respectfully request that your office ensures Experian rectifies this inaccuracy immediately. Please ensure that the correct balance of {$0.00} is updated on my credit report without further delay. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution. Should you require any additional documentation, I will be happy to provide it. 
Sincerely,
Product: Credit card or prepaid card

I woke up on XX/XX/2020 around XXXX XXXX  and realized that my two Chase issued credit cards, the XXXX XXXX and XXXX XXXX, has been removed from ApplePay. I thought it was weird and unusual that it happened so I logged into my Chase Online account and saw that my available limit for both cards have been decreased to {$0.00}. My credit limit was {$23000.00} and {$9000.00} for these cards respectively and had been a customer for 2.5 - 3 years, using their credit card services and almost 10 years with checking/savings services. My usual monthly spending is around {$1000.00} for each card and I have paid my balances in full EVERY month. I called Chase customer service to figure out the problem and after being transferred to multiple departments, I was told that my account was closed because I have closed other accounts with them such as investment banking, etc. I told them that I have NEVER had any of these accounts they claimed I closed, and that I have been a good customer with them for many years. ( I was still using these cards the night before ). I asked for a more detailed reason of why they closed my two credit card accounts, and they told me that there really was no reason and just that Chase decided to " end their relationship '' with me. Personally, I am very offended because I have not done ANYTHING wrong in which a bank decides to close my credit card accounts even though I pay my balances in full EVERY month for the past couple of years, with not a single late payment. Also, I have always had direct deposits every week into my account so they already have my source of income. Please someone address this issue or let me know WHY my accounts were closed.
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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redresS for these violations