23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Comenity-XXXX XXXX has been creating Hidden Fees that are NOT shown on my Credit Card Statements . Simply put, my, Credit Card payments are NOT being reflected on my statements. For example in XX/XX/2021, I applied TWO {$500.00} payments ( One {$500.00} payment ) and on, XX/XX/XXXX a ( Second {$500.00} was made ) however the {$1000.00} was NEVER reflected on my statement. It progressively got worse. There appears to be NO oversight going on with Comenity-XXXX XXXX as they have moved their operations to the XXXX. It is a total of over {$2000.00} that these people have NOT applied to my statement. I want their operation SHUT DOWN for stealing from me and others Consumers. This is a travesty and I am NOT going to stand for it!!! Thank you. XXXX XXXX
Product: Mortgage

During our bankruptcy proceedings it was agreed that the escrow account was to be closed in XXXX. During final resolutions the escrow was to remain closed. XXXX On XXXX Ditech started to subvert mortgage payments into an unknown account.. Ditech subverted XXXX mortgage payments to this date into an unknown account. XXXX and XXXX. Ditech failed to notify anyone of the subverted mortgage payments. 
Ditech has claimed that it made property tax and hazard insurance during the year XXXX/XXXX and XXXX on my behalf. This is not true as I have made every tax and insurance payment. 
Ditech is requesting to open an escrow account and submitted a false statement to the bankruptcy court in declaring that they have made escrow payments and other unknown payments from an escrow account that was opened on my behalf in secret. Not XXXX monthly statement has reported such payments or expenditures. 
Ditech is submitting that I be enrolled in a hazard insurance with the cost of XXXX. My current hazard insurance has never lapsed or expired. .My current hazard insurance cost is XXXX. I have not asked nor applied for any hazard insurance from Ditech, especially at the XXXX dollar rate. The practice of subverting hazard insurance is not new as Green Tree attempted to subvert my hazard insurance into XXXX of their own at the cost of XXXX even though my hazard insurance never lapsed or expired. It appears that Ditech is doing this to " qualify '' its practices of subverting my monthly mortgage payments. This was a common practice that the FTC discovered Green Tree was practicing and it appears that they are still practiciing this unlawful activity. 
I have filed several complaints directly with Ditech about their unlawful escrow activity. They have refused to answer any of my complaints. 
Ditech is starting to do exactly what Green Tree did that finally forced myself into bankruptcy. Even though Ditech admitted no wrongdoing, no foreclosure fees and attorney fees were assessed against myself during the Bankruptcy proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue with XXXX is not that its not reporting accurately. It's not reporting on time. If I pay on time or more than once in a month. It should reflect that on my credit report, and in my credit score.I 've reached out to XXXX and the Bureaus its reporting to. Today I contacted XXXX  on XX/XX/2018.XXXX stated that XXXX hasn't reported in 3 months.This is hendering me from getting a home loan, passed up on a promotion at work.I can't even get approved for a rental home. I'm paying on time, or before time. XXXX is a great company, and provide great service aside from reporting on time monthly.
Product: Credit reporting or other personal consumer reports

This is my third attempt to try and rectify what has been happening. Nelnet keeps reporting my loan payments as a credit limit decrease. I have a student loan which is an installment loan, I do not have a credit line with them. Last time, they offered me information on how credit scores are reported, which was no help because they are incorrectly reporting my payments as a decrease in a credit limit. Which is drastically affecting my credit score and making it drop XXXX points today. They are also reporting this decrease in credit limit on a loan that was taken out back in XXXX. So I am not sure what is going on but would appreciate assistance
Product: Student loan

I received XXXX loans, XXXX unsubsidized and XXXX subsidized, through XXXX. On XX/XX/XXXX I processed a payment for the full amount of my unsubsidized student loan through XXXX, with specific instructions to apply it to my unsubsidized loan. When I checked on my loan on XX/XX/XXXX I noticed that the payment had not been applied, and called customer service. After a lengthy conversation with their representative, the payment was accepted and showed as such through the XXXX payment system. Before completing the call I confirmed with the representative that any extra interest accrued since the XXXX would be written off and the money would be applied to my unsubsidized loan. On XX/XX/XXXX, after receiving another loan disbursement, I checked my account and found that, although the payment had been accepted on the XXXX, it had not been applied until XX/XX/XXXX, almost a full month after I initiated the payment. Additionally, the money had been divided between my unsubsidized and subsidized loans, against my express instructions and despite the assurance I had received from their representative. On XX/XX/XXXX I sent an email to Cornerstone detailing these issues and received an email saying I would hear back within two business days. After two full business days I have still not received a response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Money transfer, virtual currency, or money service

I was contacted about a fraudulent charge on my XXXX account was told to transfer XXXX via XXXX Total scam
Product: Debt collection

My claims are on appeal with both my insurer and my provider, XXXX  XXXX. They denied coverage of emergency care for an emergency visit to the XXXX  XXXX XXXX and I have appealed the mis-coding of that event. XXXX  XXXX has reported they have NOT submitted it for collection. Mira-Med https : //www.miramedrg.com/ will not stop calling and is harassing me both via mail and calls, more than XXXX a week. According to the provider it has NOT been submitted for collection. I am stressed, XXXX  mom with a full time job and I am losing sleep over the harassment.
Product: Checking or savings account

On several occasions now, Regions Bank, XXXX XXXX, XXXX Ga. where I opened the account, has taken money from me in the process of my using their services. This has become habitual. Currently, the bank on both XX/XX/2018 and again on XX/XX/XXXX of 2018, the bank withdrew fees, ( 3 ) in total in the amounts of {$36.00} dollars and then {$72.00}. The fees are for NSF charges and the account was NOT over drawn on any of the days and dates they did this. It is as if they are using my account like a cookie jar for their own use. I called and argued the fact back in XXXX and proved the account was not over drawn using the banks own statement for the day and days surrounding the debit, and they STILL refused to return the money. Getting away with this, they apparently feel free to do it again. The money missing this time prior to my realizing what they had done did cause my account to over draw a week later, by their construction, and a snowball affect of their taking more fees! THEY HAVE BLATANTLY STOLEN MONEY FROM ME, practice methods to then force and cause an infraction ; AND THEN TAKE THE POSITION THAT I CAN'T DO ANYTHING ABOUT IT! Can you please file a formal complaint and help me. I'm fed up with their many practices.They have at one time back in XXXX solicited me to use their bank to bank transfer funds process which, when I followed through in the amount of more than {$600.00} dollars, ( two separate transfers, and I paid a monetary fees for the service ) .... the money never showed up into the other bank. I waited days. When I attempted to located the transaction online within my statement, Regions took away my ability to access my account online. The tech department couldn't even get me a new pass word or fix the issue. After a week and in visiting the bank in person because the money just " disappeared '' and the bank refusing to return my money, I went to a lawyer and within several days I was back online and the money was returned. However, they are apparently now at it again. If they are bullying me and stealing from me, I'm sure I'm not the only one. I have photo copies of my bank statements and will attempt to forward them here if possible. 
Thank you, Ms. XXXX XXXX The Artists XXXX XXXX  XXXX ( XXXX ) XXXX Cell ( XXXX ) XXXX Business
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of my student loans on my credit report, as I believe they were affected by a significant data breach involving XXXX XXXX and his companies. This breach, coupled with violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ), has led to the improper disclosure of sensitive personal and financial information related to my student loans. 

Specifically, I assert the following : Data Breach Involving XXXXXXXX XXXX Companies : It is my understanding that a data breach related to XXXXXXXX XXXX and associated companies resulted in the unauthorized access and disclosure of personally identifiable information ( PII ), including data tied to my student loans. T

his breach may have compromised the security of my financial and educational records, including information that should have been protected. Violation of FERPA Rights : Under FERPA, I am entitled to privacy protections regarding my educational and financial information. This law restricts the unauthorized release of personally identifiable information by educational institutions without my consent. Due to the breach and the unauthorized release of my student loan information, I believe that my FERPA rights have
been violated, and as a result, I request that my student loans be removed from my credit report.

Request for Removal : In light of the data breach and FERPA violations, I respectfully request that my student loans be removed from my credit report. The inclusion of this loan information under these circumstances is not only a violation of my privacy rights but also may harm my credit score unjustly.

I kindly ask that this matter be investigated thoroughly, and I request confirmation that the necessary steps will be taken to ensure the removal of ALL disputed student loan entries from my credit report.

Thank you for your attention to this matter. I trust that the CFPB will handle this dispute in accordance with my rights under applicable laws and regulations.
Product: Credit reporting or other personal consumer reports

Dear Madam/Sir, I hope this time you will be able to help me remove these 2 remaining inaccuracies on my credit report. I have reported these erroneous reporting for numerous times and nothing happens. They would declare that it were all verified but they have a very confusing and different narrative of information especially on the ( 1 ) date of last active, ( 2 ) account details or type, ( 3 ) date of payment, as well as on the ( 4 ) Two-year payment history.

Due to these inconsistencies and big disparity of details from you to another credit bureaus, I would like to assert my stance to have these inaccurate accounts be REMOVED on my credit report.
Product: Checking or savings account

On XX/XX/2022, I made a deposit of {$1000.00} ( a government check from the state of California ). Initially, the teller advised me there was a hold on the check. After explaining to him that the government check should not be placed on hold, another teller and the branch manager assisted in reversing the deposit transaction, and made the deposit again, making sure to select the correct deposit options that indicate the type of check being deposited. At this time, I was told that there was no hold on check and the funds are available to be used. After logging in online to make sure the information was accurate, I did see the availability of the check. The deposit receipt also did not indicate a hold. 

Around XXXX XXXX that night, I received an email from Bank of America, stating that the check I had deposited was being placed on a XXXX business day hold. I called BofA the next day and provided them information on Reg CC hold limitations on government checks. I was told by the representative that this was due to the account being new, even though the bank 's deposit account agreement states that even for new accounts ( under 30 days ), government checks are to be available on the next business day, which was not the case for my deposit. 

I walked over to the XXXX XXXX branch and was told by the branch manager that the type of hold placed on the check was due to back office suspicions of the check possibly returning. Again I explained that the check was a government check from the state of California, but he indicated that there was nothing he could do. I asked him to call the back office to see if there was anything he could do. The branch manager called this " back office '' department to see if there was a way to remove the hold, which they did not. Bank of America has violated Reg CC by not only not providing the availability notice to me on my deposit receipt, then verbally telling me that the funds are available, which was later confirmed online by me, but they also violated the regulation by later placing an extended hold on the government check that is well under {$5000.00}. They are required to make these funds available to me at most by the next business day and have not done so. 

To further add insult to injury, the branch manager also told me that this back office department places holds on deposits when they get suspicious that the check might return for insufficient funds. I fail to understand how that would be possible in the case of a check that is written from the State of California. These checks are typically treated like cashier 's checks, unless you are making your deposit at Bank of America apparently.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed a letter requesting investigation of inaccurate accounts listed on my credit report. No response so I sent another letter on XX/XX/2020 and again on XX/XX/2020 but I still haven't received a response. These inaccurate accounts are still on my credit report.
Product: Credit reporting or other personal consumer reports

After a thorough review of my credit profile its multiple outdated information on my credit profile. 
My address should only be XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All others need to be deleted.
Product: Debt collection

On XX/XX/XXXX Rmp, Llc placed a collection account for the amount of {$110.00} with a XXXX as well as XXXX and XXXX. Stating the original creditor was emergency specialist B. I have received a XXXX insurance benefit since XXXX due to a total and permanent XXXX. Both my medicare and medicaid insurance premiums cover 100 % of the cost attributed to emergency services. I have disputed this with XXXX XXXX and XXXX but the account remains. I am not liable for this account as it already has been paid for by insurance
Product: Debt collection

Credit Corp Solutions sent me a letter stating that I owe a bill for {$120.00} to XXXX but never had a bill on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and also said its not on my credit report by asking me for information on myself which I didn't give to them
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern at the following XXXX  account and the information reported about this specific account is being illegally reported without my written permission nor was I put on notice before my financial information was shared and furnished to 3rd party non affiliates and is being inaccurately reported by doing so I demand that the late payments or any derogatory remarks or information be deleted immediately from this account and never to be reported again without my written permission your company is in violation of us code and CFR laws and the following violations are 15 usc 6801 also 15 usc 6802 and 15 usc 6803 only resolution I will accept for violating my consumer rights, rights to privacy and my financial information confidentiality u have 7 business days to delete and remove all previous reported derogatory remarks comments late payments etc failure to do so will result in a violation of 15 usc 1681n ( a ) ( 1 ) ( A ) civil liability for willful noncompliance
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  XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

I sent out a 2 letter To Verify The Accuracy On my Credit Report. It's been way over 30 days in I don't have a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be block and remove. They were unable to provide me with a copy of the documentation as proof so i want it removed. 

Also under 15 us code 1681 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Debt collection

I received a phone call from XXXX on XXXX20. The woman said her name so fast that I could not understand it. She said my name and I told her that it was me, and then I asked who was calling. She simply asked me to confirm the last 4 of my SSN. I told her that I was not going to provide that information over the phone. I again asked her what the call was in regards to and she would not provide me with that information. She once again asked me to confirm my SSN and I told her no. She then stated " well, then I will take that as affirmation of gainful employment '' and proceeded to hang up on me. Today I received a call again but did not answer the phone. They then proceeded to call my husband on his cellphone and reiterated the same thing. He also refused to give out any of my information and they hung up on him as well. I contacted XXXX XXXX to ensure my information/identity had not been compromised and they stated that they did not see any suspicious activity on my account. I have no unpaid debts. I did look up this number and found multiple complaints of this being a scam. I have filed a report with XXXX XXXX, I have also filed a complaint with the XXXX  as well. If this was a legitimate debt, they would not be harassing/menacing/rude/disrespectful.
Product: Credit reporting or other personal consumer reports

I HAVE CONTINUED TO DISPUTE THE REMOVAL FROM OLD CHARGED OFF CREDIT THAT WAS REMOVED DURING BANKRUPTCY AND THEY REFUSE TO REMOVE THIS INFORMATION FROM MY CREDIT.
Product: Credit card or prepaid card

My payment was due right after a federal holiday. The bank immediately charged me a {$41.00} late fee on the same day as the payment due date. The bank also has different policies with respect to payment cut off times. If you call to make a phone payment by phone or online it has to be received by XXXX for it to post the same day and if you pay in the store you have until the store closes to make a payment for it to post the same day. The bank should have until XXXXXXXX XXXX  on the day of the payment due date to make a payment online or by phone and not early cut off time. I think that this is set at this time so that they can receive the money the very next day from the customer 's bank. The bank did not even notify me by e-mail that the payment had not been received until XX/XX/XXXX because of the holiday even though the bank uses automated systems including automatically assessing late fees on the same day as the payment due date. The bank should not be immediately ( as soon as the same day ) assessing late fees on a customer 's account. As the CFPB points out and concluded in a report from XXXX of XXXX " that the credit card market continues to rely on late fees that negatively affect missions of consumers. For some households, late fees are a costly mistake for payments that may only be a day or two late ; for others, they are significant added hardship during a time of financial precarity. For credit card companies, especially private label and subprime specialist issuers, late fee continues to bolster their bottom line. ''