23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 in MONTHS REPORTING LATE 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Mortgage

I had a mortgage with XXXX in XX/XX/XXXX they gave my mortgage to a company called greentree servicing. My mortgage was XXXX at the beginning a couple of years ago I lost my job due to closing. So last year I applied for a home modification they sent me some papers stating that they would give me a temporary modification for XXXX year. They drop my payments to XXXX for a year. So this year XX/XX/XXXX that modification was finish. So I got a letter in the mail stating my new payment is XXXX due to the escrow paid my taxes and insurance while I was in this modification for that year. So I looked at the statement they charge me for XXXX years taxes and insurance but I did n't have the modification but for XXXX year. So I question them about this to a lady name XXXX she my representative she told me she did n't know about that I need to asked them. She also stated to me have n't they been paying your taxes and insurance since you been in the home I told her lady I been in my home for 9 to ten years and I always paid my own insurance they never paid it. I told her I can not afford these payment I need a permanent modification. They sent me the papers and when I sent them in they told my they could n't give me a modification because they did n't have the authority because the were just contractors for XXXX mortgage. I ask how can I contact XXXX Mortgage they would not give me the information. Please help me I do not want to loose my home.
Product: Mortgage

I am submitting this complaint because of the issues I have had time and time again contacting my lender throughout my loan modification process and I need help getting in contact with them not for the status of my appeal. 
I submitted an application for loan modification on XX/XX/XXXX and called several times throughout the process for updaters and was constantly told my loan was being handled by a different person in a different department and that they couldnt give me information about it. For example, I called on XX/XX/XXXX for a status update and was transferred around until I left a voicemail for XXXX XXXX requesting a callback. I did not receive a callback and couldnt reach any representatives at the lender until XX/XX/XXXX when I finally spoke with XXXX in the legal department who told me they denied my application because of the Percent of income needed to put into the home, and basically told me I cant afford my home and needed more income. They told me they made the decision on the account XX/XX/XXXX and that I only had until XX/XX/XXXX to submit an appeal. 
I ended up going out of my way to get the extra income needed to boost my overall income to help me fit into modification terms and I submitted an appeal letter to them on XX/XX/XXXX. Since then I have reached out nearly five times between XX/XX/XXXX and now and have not received any calls back or any contact from the lender about the status of my appeal. It is the most important time to get updates because once the appeal period ends then my home goes into active foreclosure and I am very afraid of losing my home.
Product: Credit card or prepaid card

I see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit card

i got a cash advance of {$250.00} been trying to pay it off and i was told i have to be able to pay the hole amount of the cash advanve, recently i make a payment of {$1000.00} to my credit card and when i check my statement the cash advanve was not covered.when i call they refused to cover that amount from the XXXX dollars and they are charging me double interest my regular purchases and my cash advanve even though that i want to pay those XXXX they just refused to covered that amount.i want those XXXX covered withthe XXXX dollrs to stop excess interest
Product: Credit card

This complaint is in regards to how XXXX and their card issuer Chase manages refunds/credits in a foreign currency. My complaint is that XXXX and/or Chase is applying a different exchange rates to customers depending on if the transaction is a purchase or a refund. This difference in exchange rate is not insignificant ( 1-3 % ) and appears to effectively be an undocumented fee. I experienced the following XXXX examples of this recently : On XXXX XXXX, 2015 a charge for {$40.00} XXXX was made by XXXX XXXX it posted on XXXX XXXX using the exchange rate XXXX resulting in a charge of {$32.00} United States Dollars ( USD ). This charge was in error, and a refund was issued immediately by the vendor for {$40.00} XXXX on XXXX XXXX, it posted on XXXX XXXX with an exchange rate of XXXX resulting in a refund of {$32.00} USDOn XXXX XXXX, 2015 a charge for {$180.00} XXXX XXXX Dollars ( XXXX ) was made by XXXX XXXX XXXX it posted on XXXX XXXX using the exchange rate XXXX resulting in a charge of {$130.00} USD. Part of this charge was in error, and a refund was issued immediately by the vendor for {$20.00} XXXX on XXXX XXXX, it posted on XXXX XXXX with an exchange rate of XXXX resulting in a refund of {$14.00}. 

In the above XXXX exampled even though the return/refund/credit should have resulting in a net charge of {$0.00} USD, they did not - and in effect I was charged for the privilege of purchasing and returning an item. I have contacted Chase XXXX times to date without an adequate explanation for the use of XXXX different exchange rates. I am requesting an investigation by the CFPB if this practice is fair or deceptive. Thank you for your time regarding this matter.
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.

15 U.S.C 1681 sec

tion 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: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a Consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy discharged .
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted XXXX XXXX XXXX to make a lump sum settlement payment for my Capital One card ( ending in XXXX ), that was placed into collections. The employee told me that Capital One has authorized them to allow me to make a {$6500.00} dollar lump sum payment that would satisfy the past due balance. My credit report has been updated, but still shows as {$2500.00} past due, with no note saying it has been settled for less than full. XXXX XXXX XXXX has not provided me with any proof that Capital One accepted this settlement offer. I would like to be made aware if Capital One has actually accepted the settlement offer, or if this was falsified information from XXXX XXXX XXXX.
Product: Bank account or service

I have been trying since XX/XX/2016 to close an account following a death. American Express FSB continually provides different information on their process, fails to return phone calls inquiring about status, and blames the US postal service for records not received beyond what is reasonable.
Product: Credit card or prepaid card

I opened an Capital One secured credit card on XX/XX/2019 and paid two separate deposits of {$49.00}, a total of {$98.00} and a few days later I decided against the idea of a secured credit card so I called and canceled it. The representative told me that Capital One will refund me my {$98.00} deposit via a check within 2 weeks but they never did, Ive called several times over the last 2 months and I keep getting excuses on why I havent received my refund followed by the representatives telling me just give it two more weeks, theyll make sure I get it this time I just dont know why a financial institution as big as Capital One is trying to steal {$98.00} from me.
Product: Bank account or service

On XXXX XXXX, 2015, I made a " Bill Pay '' payment to my Insurance company for XXXX ( XXXX ) policies, which Bank of America would not pay on the same date, and which BOA confirmed to me would be DELIVERED on XXXX XXXX and XXXX XXXX respectively. I accepted this arrangement even though this same situation happened six months earlier as well. The XXXX policy was indeed DELIVERED Electronically on XXXX XXXX to the Insurance company. Today, I called BOA as there was no indication that the XXXX policy was paid and was told that on XXXX XXXX a paper check was sent to the insurance company but it had not cleared and my account had not been debited. I firmly suspect that the BOA had sent a " paper check '' by postal mail, knowing full well that it would take several days to reach the insurance company, and in that time frame, the monies in my account were " floating '' for the express usage of BOA, thereby not out of the BOA system. I believe this is disgraceful and probably illegal, since an electronic transfer on XXXX XXXX ( as promised ) would have debited my account and funds would not be able to be used by BOA as it would be out of their system. Multiply this procedure taken by BOA by the XXXX of depositer 's at that bank and the interest gained by BOA is in the XXXX geared to their bottom line. I would not be making thjis complaint save for the fact that these Bill Pays were for Insurance Policies, which if not paid on time would be subject to cancellation of the insurance policies. The CFPB should require ALL Banks that provide " Bill Pay '' services to abide and live up to their promises especially when I have the BOA CONFIRMATION indicating DELIVERY by the respective dates, not SENDING but DELIVERY. Thank you.
Product: Mortgage

this is my third time at citizens and it concerns a home equity loan. We paid it off before the term was up and they charged us a penalty fee of XXXX plus XXXX doc fee We were never told this by the XXXX who closed the loan and citizens keep sending us this unsigned document made out to my wife and not me could you mediate this it is not a way to treat a customer who has been with them for many years e
Product: Debt collection

On XX/XX/year>, under the FCRA, section 609, I certified postal mailed XXXX, XXXX, and XXXX, disputing item : NO INFO or CKS PRIME INVESTMENTS, with an alleged balance of {$1000.00} is inaccurately listed on my credit report. I requested they provide contracts and/or a lease with my signature. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification. 

On XX/XX/year>, I certified postal mailed XXXX, XXXX, and XXXX, and stated that I believe my identity has been compromised, I have reported this issue to the FTC, and I have placed security alerts around my credit. I am requesting that these incorrect items be removed. 

On XX/XX/year>, under law 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I certified postal mailed XXXX, XXXX, and XXXX, notifying them that credit item, NO INFO or CKS PRIME INVESTMENTS, with an alleged balance of {$1000.00} is inaccurately listed on my credit report has failed to provide validated and verified documentation, within 30 days, to prove the item ( XXXX ) are accurate. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification.
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 vounerable 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.
Product: Money transfer, virtual currency, or money service

Trying to transfer crypto from binance.us to XXXX  and it says my account is locked. I can access my account and see my balances of various cryptos so its not completely locked. Looking on XXXX they have done this to lots of people with limited response for months, if not forever. I need to be able to access my crypto right away due to the market volatility... There is no phone number to call...
Product: Mortgage

I finalized on a condo in XXXX of XXXX with a mortgage from XXXX XXXX. The mortgage terms stipulated an escrow. Then the loan was sold off and then again. It ended up being sold to SLS ( Specialized Loan Servicing LLC ). I have been making payments to SLS with the amount detailed in the loan going toward the XXXX, so I have been paying them to pay my XXXX insurance. Then yesterday XX/XX/XXXX, I opened a letter from SLS where they said my XXXX coverage had lapsed and they were going to make me use their own company 's insurance, which " may be significantly more expensive than the insurance you can buy yourself '', if i did not provide proof of coverage soon. To me, it seems like they were trying to change the terms of my mortage! 

So I immediately called my XXXX provider and they explained something happened the insurance was canceled on XX/XX/XXXX because they did not receive payment and that they would need to call the insurance company, but it could be reinstated & backdated since it technically lapsed back in XXXX. Phew what a relief. But in order to reinstate it they would need to call SLS. Of course no answer. I tried calling separately but no answer. 

I called them the next day on XX/XX/XXXX and it took me XXXX minutes to get through to a Rep. The rep then said yes they " randomly '' marked the XXXX for the loan as not coming out of escrow. Well if that was the case why was my mortgage price the same? Where were they keeping that money? Anyways they said they could call XXXX with me but it would take at least a few hours and maybe a couple of days before they could even switch XXXX back to being escrow in their system and overnight a payment to XXXX.
Product: Bank account or service

XXXX XXXX, 2017 I contacted Bank of America regarding a damaged credit debit visa card ending in XXXX due to a careless mail carrier bending the card. I spoke with the agent approx XXXX and requested they send me another card with the same card number that agent assured me there would be no changes and my new card would be mailed and I could continue using my old card. On XXXX/XXXX/17 I tried to pay a bill with my old card and I received an error message that said payment unsuccessful I immediately contacted BOA approx XXXX and was informed that the agent instead reported my card lost/stolen locked it and issued an entirely new card without my notice. I am livid. I escalated the call to a supervisor to confirm my conversation with the agent XXXX who stated he would notate the account that if I incur any fees the bank will be held liable the supervisor confirmed notation and then promised she 'd expedite my new card and I 'd receive it Friday morning. On XXXX/XXXX/17 the Card was NOT delivered. I called BOA for a third time approx XXXX and this agent informed me that the supervisor indeed expedited the card but the request had not gone in until XXXX Thursday night. I was too upset to continue the call I hung up. The card was not RECEIVED TILL SATURDAY AND I WAS UNABLE TO ACTIVATE IT BECUASE IT CONTINUED TO COME BACK READ AS AN UNRECOGNIZED NUMBER! I tried to use my card ending in XXXX for groceries and was utterly embarrassed BECUASE it came back declined!! SO, I HAVE XXXX BANK CARDS THAT ARE INVALID. NONE IN WHICH I COULD USE. So, I 've been with limited funds since Wednesday XXXX/XXXX/17. I demand an apology and some type of compensation for the stress, inconvenience, embarrassment, and pure neglect on BOA behalf.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b - ACCOUNTS TO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ___________________________ XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX EQUIFAX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN IS VIOLATING MY PRIVACY RIGHTS AND FAIR CREDIT REPORTING RIGHTS. EXPERIAN IS NOT HONORING MY FTC REPORT THAT I SENT INTO THEM FOR THE FOLLOWING ACCOUNTS. I NEVER GAVE EXPERIAN PERMISSION WRITTEN OR VERBAL TO FURNISH ANY OF THESE ACCOUNTS BEARING MY NAME ANS SOCIAL SECURITY NUMBER.I HAVE REQUESTED ALL REPORTING ON THESE ACCOUNTS CEASE ALSO BUT EXPERIAN HAS IGNORED THIS REQUESTED AND ALLOWED XXXX XXXXXXXX XXXX  XXXX TO PLACE ANOTHER ACCOUNT BEARING MY SSN ON MY CREDIT FILE RECENTLY AFTER SENDING IN FTC REPORTS AND ASKING TO BLOCK CREDITOR!! THIS IS A MAJOR PRIVACY VIOLATION!! I HAVE REQUESTED THESE ITEMS BE BLOCKED BECAUSE I ASSUME NO LIABILITY OR RESPONSIBILITY FOR THESE ACCOUNTS. MY SSN WAS COMPROMISED IN XXXX DATA BREACH AND I HAVE NOTIFIED EXPERIAN MULTIPLE TIMES OF THIS AND THEY ARE REFUSING TO HONOR MY REQUESTS AND THE GOVERMENT DOCUMENTAION FOR THESE ACCOUNTS. 

XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX THE ABOVE ACCOUNTS ARE TO BE BLOCKED FROM MY CREDIT FILE. I NEVER GAVE THE CREDITORS PERMISSION TO MAKE AN ACCOUNT OR ACCESS MY EXPERIAN CREDIT FILE FOR NO REASON
Product: Credit reporting or other personal consumer reports

On ( XX/XX/2024 ), I sent a letter to ( CCS COLLECTIONS ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( CCS COLLECTIONS ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XXXX  ), along with an updated FTC identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've asked them to fix this, they say they did and the complaint was closed. Please see attached., XXXX We have reviewed your complaint along with the information you previously provided regarding this issue. You are not blocked from initiating disputes online. There are investigations pending, therefore you are not able to open additional disputes online. According to our records, you have a pending investigation which will be completed on/or before X/XX/17. They will verify the accuracy of the items and inform TransUnion of their results. When the investigation is complete, you will receive the results, along with a copy of your credit file at the current mailing address we have on file for you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX XXXX XXXX ET. Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report.