23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Over the past 14 years we have had several issues with the servicing of our loan with BofA. Most of these issues resulted from system issues on their end. We were scheduled to close on the sale of this home on XX/XX/XXXX and because of a system issue with BofA they were not able to provide us a payoff statement. We unfortunately had to delay our closing!!! As I type I have been waiting on hold for over 50 minutes. Ive been trying and so has the title company in order to get this payoff information. They made provisions for people to make their payments but no provisions for people that are selling their homes. Its XX/XX/XXXX and Im still trying to get someone to help with the payoff. Ive been transferred, put on hold and still no success. I am in danger of losing the buyer because BofA is failing to provide basic servicing. Its also costing me interest each day that the house does not close. We have everything except for the payoff. This is not only frustrating its very stressful. This is the second issue Ive had this year with system issues. I now have a 30 day late, the ONLY 30 day In our file from a system issue back in XXXX or XXXX. they basically blamed me for the issue. I explained to them that went to make my payment like I usually do but the system wouldnt allow it. I also explained to them that my husband was very ill at the time and unfortunately I didnt have the time to call and sit on hold for days or hours like Im doing now. Im sure we will be blamed for having to delay closing. They will figure out a way like they always do to blame the consumer. Im just ready to sell this home so that we can get out of this loan! Its not right. Im in danger of potentially losing a buyer because I cant get whats needed from Bank of America to close. Im past stressed and frustrated at this point.
Product: Debt collection

a person representing this company, came to my home .Trespassed and handed me a notice that they were suing me for breach of contract of a credit card in a XXXX court.
Product: Credit reporting or other personal consumer reports

I looked over again my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items XXXX not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX XX/XX/XXXX
Product: Debt collection

DEMAND FOR DELETION OF MEDICAL DEBTS ON VARIOUS CREDIT REPORTS!!! 

As I have attached a mandate to all pertinent credit bureaus, XXXX, XXXX and XXXX XXXX respectively, the attached complaint is backed by legal statue of the Federal Trade Commission and the Consumer Financial Protection Bureau. The most destructive items that can take a person out of the credit business is medical debt. That problem has been growing for the past two decades. Collection agencies have been abusing consumer 's rights under the Fair Debt Collection Practices Act for many years. Now we consumers have a chance to redeem ourselves. The medical area has now a new mandate that must be adhered to strictly. The criteria for this mandate is as follows : 1 ) A medical supplier, if owed for services rendered must submit to the consumer 's medical insurer. If there is an issue over payment, the medical issuer can not submit a fee invoice to any collection agency for a period of six months after the initial 30-day invoice period. 
2 ) If the insurance does not pay the claim, or if the claim was partially paid, the medical issuer can submit the non-payment balance to a medical collection company. However, this collection agency must give a 180-day notice that if the matter is not resolved or settled within that 180-day timeline, then they can place the collection on any pertinent credit bureau, i.e. XXXX, XXXX and XXXX XXXX respectively. 
3 ) In essence, American consumers now have approximately 210 days from service to payment before the medical industry can go back into the destructive mode they have used for years. Non adherence to these rules, no matter what medical collection agency are now subject to serious fines and/or sanctions for the violation of this Federal Trade Commission mandate. All credit bureaus have agreed to abide by the Federal Trade Commission/Consumer Financial Protection Bureau mandate. 
Accordingly, I demand the attached medical collection agency remove all aspects of a collection against me with all credit reporting agencies, mail to me a demand letter for payment or an offer of settlement. I will go back to my insurance carrier for an immediate review of all claims, and if the claim can not be 100 % satisfied by said insurer, then I will make the necessary payment arrangements in full or upon any agreed upon settlement. 

The credit reporting item nonetheless must be removed immediately and a new timeline 180-day count must begin on the date a demand letter is mailed to me at my residence.
Product: Bank account or service

I had a checking account with navy federal credit union that offered overdrafrt protection that i unfortunately took advantage of & got so far behind that i had a hard time paying back. Not fully understanding the terms or programs offered by the credit union i was under the impression that i needed to pay the overdrawn amount in full. My checking account was closed and sent for collection at the same time my savings account remained active. I had a significant amount of money deposited in my savings account when i tried to withdraw the money from my savings i was informed by the representatives from navy federal that i would have to set up arrangements to pay the amount overdrawn from my checking account before i would be able to access my savings account once i then spoke with the representative from that department she informed me ( very rudely ) that the credit union would be taking all the money from my savings account and that since she could not confirm my employment or source of income that i would n't be able to set up any arrangements & any future money deposited into my savings would be applied to my remaining overdrawn balance all this after explaining to her that i am a XXXX veteran living on a fixed income. I would think that navy federal credit union is supposed to offer benefits for XXXX and XXXX veterans instead of a rude & hostile customer experience i also again agreed to set up arrangements & while speaking with the agent she took all the money from my savings account. Any help with this will be greatly appreciated. I intend to pay off the remaining balance and close all my accounts and i will no longer do any business with navy federal credit union & anyone i speak with or know i would suggest the same.
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. 

Account name : # XXXX, Account name : XXXX, Account Name : Transunion Intermediate Holdings , 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 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: Checking or savings account

I received a Chase debit card in the mail on XX/XX/2022 that went to a checking account that had been opened in my name, that I did not open. I called Chase and reported the fraud and they put a freeze on the account, they would not close the account immediately until they receive a copy of a police report and some identity theft packet they send me that I guess I fill out and send back to them. I did report the incident to the local sherriff 's dept. I contacted all three credit bureaus and put a freeze on my credit as well. Then on XX/XX/2022 I received a XXXX card in the mail for yet again another account that was opened in my name that I did not open. I called XXXX this morning and was able to close the account and report the fraud.
Product: Checking or savings account

US Bank should refund me {$610.00}, CFPB should apply any of the Lousy Laws to punish USBank and it's Crooked officers, if Justice applies for Corporations in Corrupted America.
Product: Credit reporting or other personal consumer reports

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated XXXX5 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Credit reporting or other personal consumer reports

Experian has fail to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

UNITED CONSUMER FINL S OFFERED A SALES CONTRACT TO ME WHICH LATER FAILED WITH TIMESHARE LEGAL ATTORNEYS. IMMEDIATELY REALIZED I DID NOT NEED THE TIMESHARE LEGAL ATTORNEYS AFTER OBTAINING THE SALES AGREEMENT. THE DEALER IMMEDIATELY REFUNDED UNITED CONSUMER FINL S AND PAID OFF THE CONTRACT. UNITED CONSUMER FINL S REPORTED PAYMENTS LATE WHEN THEY WERE NOTIFIED OF REFUNDED WAS TO BE GIVEN BY TIMESHARE LEGAL ATTORNEYS WHO LATER PAID THEM.
Product: Mortgage

I have been in my home 20 plus years and it was a Conventional loan backed by XXXX XXXX in XXXX. I pay PITA monthly and my interest rate is XXXX fixed. I am on XXXX so I am on the Homestead exemption act for my taxes. The taxes decreased in XXXX to {$1700.00} per year, current on taxes and monthly payments! My homeowners insurance I recently changed to XXXX XXXX and it is decreased now to {$890.00} per year. I paid {$800.00} on XX/XX/XXXX to the escrow account which will sit there! I was told I am short of the escrow shortage {$2300.00} - XXXX paid = {$1500.00} left to pay which they will increase my monthly payment by {$190.00}. They will not connect me to an escrow agent, they told me they will mail out an application to modify the loan? I thought escrow means the monthly mortgage payment that I am paying already should be set up in a third party escrow account and that would pay my taxes! The explanation I was given is because mortgage co had to pay the difference when escrow was short for people who are on XXXX like myself, so the federal government is now requiring the next year to be paid in advance.
Product: Student loan

XX/XX/2018 : Applied for recertification of my Income Driven Repayment plan, supporting documents were attached demonstrating that I had made substantially less this year than the previous year. 

The monthly payments were {$1800.00}. I had made all of them in full, on time. 

XX/XX/2018 : Received notification that my IDR request was placed on hold. 

XX/XX/2018 : New monthly REPAYE is recalculated : {$3000.00} due XX/XX/2018. 

I called XXXX and asked them why the monthly payment was so much higher if I was making less money. 

They told me to resubmit the entire application with more documentation and ask for a Recalculation of the IDR. 

XXXX places my account into Forbearance even though I specifically told them not to and all payments had been made in full and on time. 

XX/XX/2018 : I resubmit the application with additional documentation of my income ( letters from employers ). I also fully pay off one of my highest interest rate loans in hopes of lowering the monthly payment. 

XX/XX/2018 : They confirm receipt of my application. 

XX/XX/2018 : I discover that they had placed a forbearance ( though no payments were ever late and they were told not to ). They remove the forbearance. 

XX/XX/2018 : I make the monthly payment that is due in full : {$1700.00} XX/XX/2018 : Letter received that I do not qualify for IDR and XXXX denies my request for recalculation. 

XX/XX/2018 : Letter received that my new IDR after recalculation is {$2800.00}, due XX/XX/2018. 

I call XXXX to ask how this amount was calculated. 
I am told by XXXX staff that it appeared that no one had reviewed the documentation I had sent with either application. 
She stated that they had just used my tax return from the previous year for the new recalculation. 
She resubmits my request for a recalculation with notation to review my new lower income. 

XX/XX/2018 : I called XXXX to ask them what the status of my application request was as the payment of {$2800.00} was due that day. 

I spoke with 3 different people. 

The first person told me to just ask for a forbearance. 

The second person told me it was my fault that the the monthly payment was calculated incorrectly because I had supplied documentation and an explanation of my income. He stated this was confusing for them, even though they had requested it. 

I asked to speak with his supervisor. 

I asked the supervisor if he could easily calculate my income based on the documents that had been sent. 
He was able to do this and agreed that I had demonstrated my income was lower this year than last year. 

I asked him what I should do next if it was recalculated wrong again- he said there was nothing I could do. 

I made the payment that is due in full : {$2800.00}. 

XX/XX/2018 : I receive an email notifying me that my new monthly payment will be {$4100.00}. 

Despite making less money and supplying them with adequate documentation of this, my monthly payments went from {$1800.00} to {$4100.00} with no explanation or recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the midst of a personal crisis and unable to get past the application for the small loan. 

Since 2014 I have tried to get my credit report but it is impossible to accomplish this task. I reported to the Indiana Attorney General ( XXXX XXXX ) and have gotten nowhere. 

I have run out of options to resolve this issue. In the spite of the all the issues I am tired of all the screen messages, no such name, etc.
Product: Bank account or service

I banked a check for {$1100.00} through mobile phone deposit. 
The transaction did go through. 

My check was then stolen in an incident where a women took my wallet while at a cafe. Unfortunately my check was still in the wallet. She scribbled out my name and wrote her own, took it to XXXX and managed to cash it even though it was clearly scribbled out and visibly fraud. 

I reported this immediately to my bak ( Chase Bank ) and filed a claim. XXXX could not accept my claim so then my place of employment who issued me the check went to the bank and filed XXXX claims all of which were dismissed. 
There is hard evidence that I was wronged and money was stolen from me and the bank are dismissing my claim as they think they will be unable to have the money returned by XXXX though none of this is my fault and the banks allowed this transaction to go through.
Product: Mortgage

I have been baby-sitting Flagstar for 3 consecutive payments and they have not resolved the issue. I set-up payment transfer online to pull funds from two banks, every other Friday. The payment transfer started on XX/XX/2022. I authorized {$860.00} to pull from my XXXX XXXX ( XXXX ) account and {$250.00} from my XXXX Bank ( XXXX XXXX account to complete the bi-weekly payment of {$1100.00}. On XX/XX/2022, Flagstar pulled {$990.00} from XXXX and {$120.00} from XXXX. I contacted Flagstar immediately for an explanation. I spoke with a supervisor named XXXX. During the call, she confirmed the system is showing how I set-up the payment transfer : {$860.00} from XXXX and {$250.00} from XXXX. I asked her if this was system glitch or a human error, but she can not explain what happened. She assured me that this will be corrected. The next payment transfer was scheduled on XX/XX/2022. Flagstar processed the payment on XX/XX/2022, and pulled incorrect amounts again : {$250.00} from XXXX and {$860.00} from XXXX. I called again and requested for XXXX. XXXX had no explanation again and confirmed how it was set-up in the system of records : {$860.00} from XXXX and {$250.00} from XXXX. And again, XXXX assured me that it will pull the correct amounts on XX/XX/2022, as I've authorized them. I have 2 case numbers : # XXXX and # XXXX. I asked XXXX if this was a system issue or a human error. She did not have an answer. On XX/XX/2022, I called because there was no payment transfer showing on my accounts ( XXXX & XXXX ). Customer service stated that it usually days to complete payment processing. I told her, I just wanted to make sure that you will be pulling the correct amounts from my bank accounts, and she confirmed again what is showing in their system : {$860.00} from XXXX and {$250.00} from XXXX. I checked last night, and I can not believe they made a mistake again : {$860.00} from XXXX  and {$250.00} from XXXX. I called today really upset and asked for a manager, not a supervisor. Another lady spoke with me and I think she told me she was a supervisor. I specifically told her to right down how payments were set-up and how it should be done, so she wont ask me again, but she did ask me again. She said that the first transfer on XX/XX/2022 from XXXX was {$990.00} and asked me if XXXX made an error. I got so angry with that question because obviously she was not listening and does not know payment processing. I told her, who initiate the payment as shown in your system, XXXX or Flagstar? She gave me so many alibis making it seem that I am the problem. I told her to fix the problem and disconnected the call. The most annoying part of this problem is that they kept on confirming that their system is showing how I wanted payments to be processed, but the error keeps on going.
Product: Checking or savings account

On or about Sunday XX/XX/XXXX, I went on-line to my BMO Harris bank to review the status of a CD, Money Market and two checking accounts. One is a business checking account in the amount of {$19000.00} and one is a Smart checking account in the amount of {$5000.00}. However, the Certificate of Deposit, {$1000.00} and Money Market, over {$8000.00}. Over a 6 year period I have been seriously sick and was not able to keep a close eye on my funds. My relationship with Mrs. XXXX XXXX began in XX/XX/XXXX. Mrs. XXXX has hidden these accounts from mean line from time to time because I would question her about it. These Accounts were not available for viewing on XX/XX/XXXX. 

I called the customer assistance number and I was told that the CD account was closed on XX/XX/XXXX with no additional information available. I was told to contact BMO on Monday XX/XX/XXXX during regular business hours. 

I called and spoke to XXXX XXXX, Personal Banker at the XXXX XXXX location in XXXX, IL. Mrs. XXXX told me that the CD was closed and the funds had been sent to the State of Illinois, Treasurers 0ffice of unclaimed property because BMO couldn't contact me via mail. My address has always been up-to-date because I receive mailings from XXXX XXXX, financial advisor on a monthly basis. I asked to speak to the Manager. Mrs XXXX XXXX, Manager at BMO 's XXXX branch, who was my first Personal Banker at BMO and is the person who recommended and opened the XXXX and Money Market accounts for me. Mrs. XXXX told me the same that I needed to contact the Treasurer 's unclaimed property division. 

On or around XXXX the same day I went to the XXXX branch in XXXX and met with Mrs. XXXX and Mrs. XXXX who have been my personal bankers for the past 6 years. I told them that I have 7 accounts with BMO, 3 investment accounts with XXXX XXXX, two checking accounts, one CD and one Money Market account. I was unable to view the CD or Money Market accounts. I told them they had no right to close these accounts without my written permission. Mrs. XXXX acknowledge the CD but completed denied any knowledge of the Money Market. I told them that I plan to file complaints and contact an attorney. Prior to leaving the bank, I withdrew {$17000.00} from the business checking account and {$4800.00}. 

On Tuesday XX/XX/XXXX, I received a telephone call from Mrs. XXXX stating that the CD account has been re-opened and asked me not to contact the State Treasurer because they will contact them on my behalf. Mrs. XXXX said she will keep me updated on their process on recovering the money. 

On today, XX/XX/XXXX, I called and left a voice message with Mrs. XXXX making her aware that I found documentation of the Money Market account and that something fishy is going on and that Iam in the process of researching my legal options are because I have never received any updates on the CD or Money Market accounts in 6 years.