23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Automatic Bill Payment set up through XXXX XXXX XXXX XXXX XXXX to pay XXXX XXXX each month on the XXXX after paycheck deposited -- -- No problems Loan sold to Mr Cooper. Borrower switches Payee to Mr Cooper for same payment.

Bill pay apparently sends paper checks instead of electronic payment as with XXXX. 

Borrower is unaware of any issue and pays automatic amount in excess of required payment. 

Payment arrives 2-3 days late due to non electronic payments required for Mr Cooper ... .for 3 years!

Borrower does NOT reduce principal and Mr Cooper collects late fees the entire time. NO NOTIFICATION IS EVER MADE TO BORROWER OF REPEATED LATE FEES ETC.

Borrower reviews electronic statements for tax inquiry and discovers issue. Calls Mr Cooper and is told nothing is wrong and they will no refund fees.

This issue can affect thousands of borrowers who have their loans transferred and set payment to when their paychecks arrived. I will take my hit but this is the exact issue that CFPB should remediate. I was happy with XXXX ... yet I end up with Mr Cooper and now I miss {$1400.00} in paying my principal down ... .Mr Cooper has that. NOT RIGHT
Product: Credit reporting or other personal consumer reports

account number XXXX Ally financial Renting car out thru XXXX XXXX in XXXX ga. Car was then stolen taken to XXXX. Reported it stolen thru business insurance. Ally financial and gap then agreed to make payment on the car and write it for total loss. But ima get more details from XXXX bc she handled everything with her cousin who has the business Document attached with all supporting information!
Product: Checking or savings account

I was notified by Discover Bank that 2 wire transfers in the amounts of {$24000.00} and {$24000.00} were processed from my account within minutes of each other. I immediately notified Discover Bank that these requests were fraudulent, and I was informed this would be handled by there fraud investigation team. I have been in contact with the bank numerous times since this incident and it has not been resolved. I recently learned that the request to recover these funds from the recipient bank was made by Discover Bank 6 days after they were notified by me that these requests were fraudulent. Discover Bank refuses to restore these funds to my account despite their negligence ( I was never contacted until after the funds had been dispersed ) and untimely response 6 days after my notification of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit card or prepaid card

I have been advised that each complaint for a company needs to be separate I spoke with cust service at Kohl 's about XXXX late fee waived due to holiday and question my new bill with late fee. I was told something gets added to the bal and because I pay too early I got another late fee. I have many brain injuries and pay according to limited income about XXXX of month. I never heard of such, normally if a late fee is waived after that deducted from what is due, that is what you pay. Person said to do what I needed to do. Their address is : po box XXXX XXXX, with XXXX ( kohls.com XXXX ) I would ask your intervention. Thank you XXXX. XXXX XXXX
Product: Debt collection

I HAVE TRIED TO CALL THIS COMPANY AND HAVE LEFT A FEW VOICEMAIL TO A XXXX XXXX ... Per my XXXX REPORT, SHOWS 13 ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX   AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Checking or savings account

I closed a savings account at XXXX XXXX and transferred the money to XXXX. 
This was to earn better interest. Also opened a new checking account at XXXX XXXX. 
I was helping my mother who does not use a computer and is very confused and on a low fixed ss income. When it came time to pay some bills, tried to transfer {$8000.00} on line to the linked bank account. It was reversed. This happened four times. Each time XXXX called, we got a different representative who gave us different reasons for the reversal. After no success of transferring the {$8000.00}, we initiated closing the account to put the funds back into XXXX XXXX. We were told we could set up a wire transfer over the phone and did so on a Friday. We were told all was good. Then we called again on the following Monday and was told the wire transfer could not be made because it had to go back into the same account it came from WHICH WAS ALREADY CLOSED. After MANY annoying/frustrating phone calls, we were told only a check would work and it would take 7 to 10 days. We agreed to a check on Monday and decided to call Tuesday to make sure the check was mailed. We were then told the account would take 1 to 3 days to review, possibly longer, and the 7 to 10 days was for the postal service delivery. I requested the representative today to maintain the recording of the hour-long conversation wherein she made several telling statements, i.e., she was not allowed to tell us why the wire transfer was cancelled; admitted the wording under the FAQs was vague and that it was at Marcus 's discretion whether to do a wire transfer. We asked for a higher-level supervisor and was told she was the highest supervisor to handle things by phone and that we would have to submit an on-line complaint. We asked for her boss to speak to and she basically said the buck stops with her on phone complaints. On XX/XX/XXXX we attempted to start withdrawing money and it is now XX/XX/XXXX and not a XXXX has been able to be transferred, wired or received in any fashion. 
Went onto the XXXX XXXX XXXX and this has happened to other people as well. 
Regardless of how much confirmatory information was given, i.e. last four of the ss #, password, DOB, etc., Marcus would continuously call the following day to verify transfers that were made on line. Calls were missed and moneys were reversed back into Marcus. Seems like they try to hold onto other people 's money to earn money for themselves and make it ALMOST IMPOSSIBLE to get your own money back. Multiple different reasons for the reversals. One agent would say one thing and then a different agent would say something else. I requested the recording to be held by Marcus in the event of litigation ensuing. Bills have to be paid. Over {$200000.00} was transferred into Marcus and only {$8000.00} was requested so bills could be paid. Something is wrong with this picture. As you print on your website : unfair, deceptive, or abusive acts or practices is what you try to prohibit. Clearly their website is also deceptive. Their own representative said the information about getting back your money is " vague ''.
Product: Money transfer, virtual currency, or money service

I created a Gemini account to purchase bitcoin. I purchased {$2000.00} of bitcoin and attempted to transfer to my main bitcoin wallet. Gemini denied this every time I tried to transfer due to " security hold ''. I attemped over 10 times throughout XXXX, XXXX, XXXX and XXXX. 

I emailed Gemini no less than 50 times. They occasionally responded, saying they were looking into the problem. 

Then I received notice from Gemini mid XXXX that they were closing my account and I had 5 days to withdraw my money. 

I had closed the bank account I used to open my Gemini account in XXXX and after giving them two other bank account options to send my withdrawal to, they demanded a letter from my bank proving I closed my original bank account. I provided this beginning of XXXX and they stopped responding to any of my emails. Gemini is acting in complete fraud. They have been holding my funds hostage since XX/XX/ and after I have sent them every document they have requested for over 4 months, they are refusing to reply and return to me my funds I deposited on their platform. I send 3-6 emails daily to them without response.
Product: Mortgage

I am having issues with this company continuously requesting the same paperwork over an over again. I requested a 12 month repayment plan they submitted a 5 month repayment plan. Now that I requested the change they are requesting the same documents over again when nothing has changed
Product: Mortgage

Citifinancial has not giving me credit for XXXX XXXX payment ; check # XXXX It was sent XXXX XXXX via certified mail # XXXX XXXX XXXX XXXX XXXX which shows that it was delivered by U.S Postal Service. It was sent along with check # XXXX which shows it was cashed by Citifinancial for XXXX, XXXX payment. Both payments were for the amount of {$550.00}. Also I included another check # XXXX for the amount of {$500.00} for partial payment of XXXX property taxes which has not been cashed by Citifinancial. There is also wrong information about the date a will finish paying my loan. I have not asked for a deferred payment plant since the beginning of my loan. Thus, I do not understand why Citifinancial is showing the last payment of my loan to be 6 month after the actual date it shows as the last date to be paid off. Also Citifinancial agreed to change the interest rate if I paid the first two years on time. Citifinancial did not honor the agreement. Enclosed documentations supporting my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  continues to report a charge off from 2015 on my 3 credit bureaus in excess of {$1100.00}, I have disputed this with all 3 bureaus and the  company over the phone and in writing. The account was taken out online and they do not have any proof it was me. No copy of my drivers license or signature. I did not take out this account. I have done all I can to get the situation corrected. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXXXX. XXXX, 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my credit report with Equifax and they told me I could n't email the dispute because of the problems they recently had but I could fax it or mail it so after receiving their fax number I faxed it ( XXXX/XXXX/XXXX ) I got confirmation that the fax went through so I called them two days later and was told they had n't gotten the fax but give it more time. I then called a week later and was told the same thing. At this point I 'm totally upset because I never got I acknowledgement of my dispute, all of my personal information went somewhere else and my credit score with them has just dropped after I sent them proof ( acknowlegement from the company ) that my collection was paid. I also sent them a dispute with XXXX XXXX with all of my bank statements, personal information, Social Security number etc ... .. 

I also received note that a address was added to my credit report. Please help!!! 

If not acknowledged that they received it after I got confirmation I 'd have to file a law suit against them.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it's explicitly stated that consumer reporting agencies, like Experian, XXXX, and XXXX, must conduct their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I'm asserting my rights supported by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must consistently respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, categorized as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the concerned consumer. Both the financial institution and the consumer reporting agencies, Experian, XXXX, and XXXX, lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), Experian, XXXX, and XXXX are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. XXXX and Experian are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. Experian, XXXX, and XXXX are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an item on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. Im asking how you verified the information is i correct even when the information is still inaccurate you have XXXX days to respond or its an violation
Product: Student loan

I took a private loan from Navient ( Sallie Mae ) back in 2008. Initially I wanted to get the fixed rate but was advised by the finance advisor to go with the variable because the fixed rate was too high and I could change it in the future. I later found out when I started making payments that this is not true. 
Currently my monthly bill consist of paying 85 % interest. I am mostly paying the interest instead of the principal. Due to my current income, I am only able to afford the minimum payment. 
The interest they charge is ridiculously high and they claim there is nothing they can do about it. They also do not allow borrowers to switch from a variable to a fixed interest rate. The variable rate is never low and is constantly high. 
I contacted Navient and asked to be given the variable interest rates that I have been paying them, however they could not provide the information and told me that they will email me the information ( I have not received it ). Navient claims to have borrowers interest at heart, but this is not true. Not only was I misguided with information but they informed me that there is nothing they can do with my current payment set up.
Product: Credit reporting

I have been trying my best to get this account by Experian updated. I even paid XXXX different credit repair companies to update the information and no one could fix it. I tried to even fix it myself. I ask XXXX to send me over to monthly statement from back then so I can show them how they are wrong. XXXX made the error of not updating my account back when they did not receive my payment and I was not my fault. XXXX refund my late fees which will show up on my credit card statement all three times. Because the account use to be a XXXX credit card and XXXX took over the account. I can not get the creditcard statment from back then. XXXX told me the system do not go back that far. If it do n't go back that far how are they able to prove this was a valid late account. I want might credit card statement from back then so I can prove I was not my fault when the account was late 3 times. This was the reason why I changed my payments to be done online. And there was no more problems after that. How can you prove anything if the citicard company wo n't give me my statements. Because Experian is the only one reporting this as a late account without any proof of documents I find it to be their fault. Experian should ask for the credit card statement to prove the late dates. So I can prove it was not valid late account to be reporting it to the agency. I attached account document from experian to show you the account I am talking about XXXX Credit Card Account XXXX. I use to be a XXXX account.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I deposited to BB & T on XX/XX/2016 XXXX {$1000.00} checks ( balance transfer checks ) from my LL Bean Visa Card acct. The deposit receipts stated {$1000.00} on each along with the date stamp. Later that day upon checking my acct online, there was only {$100.00} each noted as " pending ''. On XX/XX/2016, I called the BB & T manager and was told the rest of the deposit would be available XX/XX/2016. Previously the same type of check for {$800.00} was deposited XX/XX/XXXX and when I inquired the teller told me that type of check would be available immediately. On XX/XX/2016 I made a transfer of funds from my money market acct to my checking acct to avoid overdraft fees and that was also tagged as pending. Please note that my accts are well funded and stable. On XX/XX/2016, I also made a {$500.00} deposit at XXXX XXXX and their receipt showed exactly how much ( {$400.00} ) was available that day and how much ( {$100.00} ) would be available on XX/XX/2016.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's Failure to deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the 3 bureaus almost a year ago regarding my public record/rental background. I have 3 evictions that doesnt belong to me. They continue to get me mixed up with my father. Ive told them Im a XXXX   and hes a XXXX.  They told me I needed to submit documentation of the leases which I dont have because Ive never rented or owned a home at all. I just want those items removed because theyre affecting my life with me being able to rent. They cant even verify who it belongs to because the courts dont give out full social security numbers so them reporting those evictions on me are not apart of the Fair Reporting Act.
Product: Mortgage

Bank Of America is illegally attempting to foreclose on my XXXX  primary homestead residence outside the legal statute of limitations for the state of XXXX. The initial foreclosure date was in XXXX of XXXX. The case was dismissed in XXXX of XXXX with no foreclosure sale. The appellate foreclosure case was filed outside the statute of limitations for the state of XXXX  in XXXX of XXXX. The appellate foreclosure case was terminated in XXXX of XXXX with no foreclosure sale. 


Bank Of America has illegally foreclosed on my XXXX  property outside the legal statute of limitations for the state of XXXX. My XXXX  property was released from my bankruptcy in XXXX of XXXX. Bank of America illegally foreclosed on my XXXX  property in XXXX of XXXX.
Product: Checking or savings account

This situation has exceeded it's max time of over 120 days I'm given to dispute transactions on my account. On XX/XX/XXXX I reached out to chime in regards to my account not receiving my refunds I've given it seven business days to show up on my account but nothing. Til today XXXXXXXX XXXX XXXX I received an email from chime Chime Account Number Ending In : Claim ID : Dispute Type : Debit - Transaction Was Cancelled Date Error Reported : XXXX Claim Amount : {$5500.00} Hello XXXX XXXX, This letter is to inform you we made a final determination regarding the claim referenced above. 

Our investigation concluded an error occurred. On XXXX, the merchant issued credit in the amount of {$5500.00}. We consider this credit permanent, and we reversed any applicable fees. 

We apologize for any inconvenience this may have caused you, and thank you for being a valued Chime member. 

If you have any questions, please contact us by phone at XXXX ( XXXX ) XXXX or by email at XXXX. 

Sincerely, Chime Disputes Team XXXX Chime. All rights reserved. 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX Banking services provided by XXXX XXXX XXXX, XXXX. or XXXX XXXX, XXXX, Members FDIC. The Chime XXXX XXXX XXXX is issued by The XXXX XXXX  or XXXX XXXX  pursuant to a license from XXXX XXXX XXXX and may be used everywhere Visa debit cards are accepted. Please see back of your Card for its issuing bank. 
This email was sent to you because you have a Chime account. 
Your privacy is important to us. Chime will never ask you to share sensitive, personal information such as your PIN, your full social security number, or Chime login information over the phone, through text, or on social media. See our online guide to learn more about protecting your personal information. 

But my account is closed as of XX/XX/XXXX and XX/XX/XXXX after being treated like I didn't take the proper steps to take care of my identity filed police report filed for identity theft since XXXX chime made me wait so long. I've been the most trying to clear my name my balance importantly because if I owed money things would have certainly turned another route but it was vice versa and I lost so much time I can't and won't ever get back.