23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have submitted a complete application for a loan modification to the servicer, Ocwen, on numerous occasions to the present. I have received from Ocwen letters dated XXXX XXXX, 2015, and XXXX XXXX, 2015, denying my application for a loan modification. I timely appealed the denial. To date, Ocwen has not responded to my appeal of the denial, and as such, no foreclosure sale date can be scheduled pursuant to the CFPB. 
Pursuant to 12 C.F.R. 1024.41 ( g ) ( 1 ), if a foreclosure action has already been filed and it is more than 37 days before a foreclosure sale, and the borrower submits a complete loss mitigation application, a servicer can not " move for a foreclosure judgment [ including a dispositive motion like a motion for default judgment, on the pleadings or summary judgment ] or order of sale or conduct a foreclosure sale until there has been a final outcome of the decision process for the loan modification. " The CFPB requires that the appeal must be reviewed by different personnel than those responsible for evaluating the borrower 's application. And, within 30 days of the borrower making an appeal, the servicer must provide a notice to the borrower stating the servicer 's determination of whether the servicer will offer the borrower a loss mitigation option based on the appeal. Id. at 1024.41 ( h ). 
Ocwen, profoundly ignoring the CFPB, is dual-tracking me in order to foreclose on my home, going so far as to schedule a sale date of XXXX XXXX, 2015.
Product: Credit card or prepaid card

a store card from best buy was closed during covid for no reason given. card had XXXX balance and my credit score was impacted. we weren't given a reason just a phone call after disputing the matter. the person on the phone just said we can do what we want at anytime. they know they can't hurt our credit scores. when signing up we were at the understanding this was threw best buy store not a bank. they violated the fair credit reporting act by ruining someones credit score due to there own actions but not the actions of the myself.
Product: Mortgage

On Friday XX/XX/XXXX I called Bayview Loan Servicing to make a payment. There was money in a suspense account. The original payment amount is {$580.00}. In the suspense account there was {$290.00}. Bayview told me I could make {$280.00} which is the difference between the original payment amount and the suspense fund. Twice on Saturday I received a call from Bayview wanting payment and my ex husband said they called him 3 times. On Sunday I received a phone call and so did my ex husband. This has got to stop and I will call them on Monday and complain.
Product: Mortgage

A review of my HELOC does not contain anything that said it was a interest only loan. The original loan was for {$65000.00} and 18 years and {$97000.00} later I still owe {$63000.00}.

I continued to use extra money over the years but the loan should be much lower by now. I think Wachovia Bank, used Predatory Lending Practices because I don't see it spelled out that the loan was interest only.

I'm checking to see if I am due any money from any lawsuit of Wachovia Bank or Wells Fargo or if I have any recourse?

Please advise.
Product: Credit reporting or other personal consumer reports

This is week 2 and I am still asking Experian ( the Special Handling person XXXX XXXX has still to contact me ) concerning getting the information accurate on the Experian Report. 
I am attaching the correct info with balances from the companies. 

I am closing on a loan to pay off and lower intersest on these synchrony high interest rate cards/loans. 
please use this info to update. 

my credit scores dropped XXXX points in one day from XXXX to XXXX still good but why? 
i have not opened credit and i have paid down the cards etc. 
Let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had the subject bill in review at XXXX XXXX XXXX with a gentleman XXXX because my insurance company said they were going to paying a portion. 

XXXX XXXX XXXX sent the account to collections anyway. 

I contacted XXXX XXXX at the collections company XXXX XXXX on XXXX2020 and paid {$850.00}, what she said would settle the debt in full. See attached letter from XXXX XXXX. 

Thank you for any attention you give this matter. 

Have a great day!
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as collections. I do not notice these accounts and never applied for them. I then reached out to XXXX, Equifax, and XXXX to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I XXXX be able to utilize my credit to move forward in life. Please help me!
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act, the account : XXXX XXXX, number : XXXX, has violated my rights.

15 U.S.C 1681 Srction 602 A. states I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 : Its also States a consumer reporting agency CAN NOT Furnish an account without my written Instructions
Product: Money transfer, virtual currency, or money service

Hello, I am a CHASE business banking customer, we've been with them for a very long time, close to 10 years. This is the first time I ever had a serious problem with them completely ignoring me as a customer and denying any kind of help! I've used CHASE Quick pay to pay for goods onXX/XX/2019, the person came out to be a scammer and stopped responding to emails/phone calls/text messages from my side. I tried to call CHASE business customer support line the same minute it happened ( it was late night, so I was asked to call in the morning ). I did call in the morning and CHASE rep simply stated that they would never cover anything fraudulent that has to do with quick pay!! Basically they said that they simply allow for ANY kind of transaction to happen even if its fraud/scam as long as I as a customer had contact info of the other ( scamming ) party. They literally don't care. They actually tell you that there is ZERO protection for your funds with quick pay ( XXXX is now a part of chase quick pay )! I will never use CHASE quick pay or XXXX ( one and the same ) and I will make sure to tell everyone that CHASE could care less for their business customers in case of a scam or fraud! As an example, XXXX does care for their customers and would never allow for anything like this to happen!!! lost my respect for CHASE completely ... Extremely unprofessional and ignoring behavior by such a great bank ...
Product: Checking or savings account

My name is XXXX XXXX I've had a personal account with cash app for 4 years. I had opened a stock account and threw my personal account a few years ago. I have invested through my linked personal XXXX XXXX XXXX account and payments made by friends and associates. I have done quite impressive trading and my account is worth over {$340000.00}... 
Allegedly I received emails for cash app wanting to convert my account to a business account after or inability to get in touch with each other cash app converted my account to a business account with a new routing number and account number. Within two and a half weeks my account was hacked. I got locked out of my cash up account my email my XXXX overdraft protection from my business credit card with sending money to my personal bank account which was sending money to cash app over XXXX transactions. 

My phone went off at XXXX in the morning on XXXX XXXX XXXX. I noticed the notification from cash app. When I clicked on the of the XXXX notification on the top of my phone I started to see all the transactions. I could not deactivate the count. These are transactions that were somehow being sent through the money sign and I never confirmed them put in a code of fingerprint and they were happening by the seconds. I called Cash app at XXXX in the morning and they would not help me no one was available. When I call the fraud department I was able to speak to human being from a third world country and I started yelling. As I was on the phone with them within XXXX minutes of noticing the withdrawals happening
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage back in XX/XX/2020 and this is when I discovered I had some fraudulent items on my report. I contacted all three credit bureaus and I informed them that these items did not belong to me and asked that they are investigated and removed from my report. In XX/XX/2020 I received a response from all three agencies and XXXX  could not verify the item and it was removed. However, XXXX  and Transunion did not remove the items and told me that item was verified. I sent another letter in XX/XX/2020 asking for proof of verification, including who they talked to when they verified accounts and what information was used to verify my items. I received a response letter in XX/XX/2020 from XXXX   and Transunion stating that they would not tell me how items were verified and that I could add a personal statement or contact the collection agency. I contacted the collection agency in XXXX and never received a response. I am sending one last letter that will accompany a copy of this complaint to XXXX  and Transunion. This letter will be received by them by XX/XX/2020, and it will be sent certified mail. This letter explains that the items in question were removed from the other agency and that there is no way they could of properly verified the information and the other agency working within the same time span could not. I feel I have no choice in this matter but to file a complaint because the credit bureaus have not in my opinion done the proper due diligence. I am not sure how my information got into the hands of someone else to open accounts that are not mine, but I am in the process of hiring an attorney to help me figure out what to do about identity theft issues if I have no idea who did it or where they are located.
Product: Mortgage

I was illegally denied a loan mod with Bank of America, loan # XXXX. They said I maede. They used data from original loan application {$7200.00} per month. They had acces to tax returns stipulated in loan app. I told them I made {$2800.00}. per month. They sent me a letter stating the XXXX per month as a reason for denial. Please forward this info to current XXXX XXXX. In addition they violated a bankruptcy stay to initiate a foreclosure. I filed another Chapter XXXX BK. The mortgage was dischared under case # XXXX in the XXXX XXXX of NY. Bank of America sent me a notice that they had written off this debt with the IRS. Then they sold loan to XXXX XXXX XXXX and are now trying to evict me. I just noticed the Settlement last Friday with XXXX Bank. I am requesting the same result since this is a mirror image of a business practice. They also have faile to answer a QWR. I am requesting enforcement action to compensate me with a monetary settlement, an immediate cease and desist from any further collection activity, and relief from any judgement. Please contact the above parties ASAP to settle this once and for all. Please inform XXXX that they must provide chain of Title to you, so that you can verify the fraud.
Product: Credit reporting or other personal consumer reports

I have spoke to XXXX fraud department several times. I have told XXXX that this account is fraudulently open. The account has incorrect name, address, and phone number. 
They ask me for my address, name, phone and email does not match up with this account. They tired to update my address on this account without my permission. 
I have letters from them stating this account belongs to me. XXXX has not provide me any Proof about this account. I have sent them my ID for proof and FTC Report for verification proposes. I have letters coming to my mail with a different name saying this account belongs to me.
Product: Debt collection

In XX/XX/XXXX  I switched Auto Insurance companies from XXXX XXXX to XXXX. The reason I switched of course was for a better deal. I paid XXXX {$150.00} XX/XX/. I stopped autopay to XXXX XXXX. I received a letter from Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Phone XXXX stating As of XX/XX/XXXX  I owed XXXX XXXX  {$150.00} The letter stated I could call to dispute the debt. I did and the rep just said I owed it but I can send in documentation to dispute it. I asked what will they do with the documentation he said send it to XXXX XXXX. The also threatened to report adverse credit on me if I don't pay it. This isn't right insurance companies are not credit lenders, they offer a service and you have to pay up front to obtain coverage. If I switch now I owe you, that's outrageous and has to be illegal. Can someone with some authority tell these boys to back off XXXX XXXX Account Number XXXX
Product: Debt or credit management

XX/XX/year> Subject : CFPB to take off negative score. 
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Warning Services Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15USC 6802. Thank you.
Product: Debt collection

Notice of billing error ( XXXX XXXX XXXX ) Was sent of to Exeter Finance XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. 

The first one being the number of payments as well as the number of payments seems to be inaccurate on the Payment Schedule. XXXX XXXX XXXXXXXX ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. 
Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of amount financed. Is in violation of XXXX XXXX  on the Contract bill state that XXXX was the Buyer and the Creditor XXXX ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. 
The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). 

These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt XXXX XXXX XXXX XXXX. 
All debt obligations and securities are owed to the United States XXXX XXXX XXXX. 
they had also close my account in XX/XX/2022 i sent several notice before i had demand a validate my debt to see both-side of the ledger, RESIND my signature i was told that i cant get those in formation by mail. So i am demanding for this to be remove off all XXXX my Credit Bureau before there was at fault in every way. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

My credit was compromised in a security breach identity theft and several credit cards do not belong to me.
Product: Credit card

After logging into or out of my Citi credit card account, Citi had a window pop up on the screen asking me to verify my income. This happened about every other time I logged in or logged out, for a period of several months. When I first began to receive these pop up windows, there was no amount given for my income. My choices were either update my income or not update my income. But as time went on, the pop up window changed. The new pop up windows said my income was XXXX and my XXXX choices were to either confirm my XXXX income, or change my XXXX income. When the window popped up upon login, I could not proceed. When the window popped up after attempting to log out, I could not log out. 
On XX/XX/XXXX I phoned Citi, explained to the representative what the problem was, and asked for this to cease. The representative said she would send email to the proper department stating my request. 
The next day, XX/XX/XXXX, after logging in, I again received the pop up windows asking for my income. That day, I sent XXXX messages to Citi via their website, and received XXXX responses. The final response from Citi stated, " Providing the income information is optional. We have XXXX the online requests for this information. '' On XX/XX/XXXX, when I tried logging out of my Citi account, I was prevented from doing so. The same logout pop up window appeared that I had written to Citi about on XX/XX/XXXX - the pop up that was supposed to be XXXX ( along with the login pop up window ). 
The logout pop up window says the following ( and is similar to the login pop up window ), " Total Annual Income {$0.00} Examples : Salary, wages, interest, dividends, rental income, retirement benefits. If you are XXXX or older, you may include income from others that you can reasonably access to pay your bills. Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation. Monthly Mortgage/Rent Payment {$0.00} Make Changes MY INFO IS CORRECT ''
Product: Credit reporting, credit repair services, or other personal consumer reports

have received alerts that my SSN was used reported by Experian. Can not get a live person to answer the phone at Experian to find additional information as to who used or how my SSN was used.
Product: Payday loan, title loan, or personal loan

American Honda Finance Company put a lien on my car title on a car that I paid for with cash. I have never had a loan with AHFC, but they refuse to remove the lien. An AHFC rep told me I could have the tile cleared through XXXX. I paid {$48.00} to XXXX and received and notarized letter from AFHC clearing the lien, but my title still has a lien from AFHC, and they refuse to clear it. ( For some reason, there is not paper title, just an electronic one. ) I can not sell the vehicle because I can not get my title. AFHC refuses to explain why or how there is a lien on my vehicle. I have asked many times. 

AFHC refuses to work with the Honda dealership for where I purchased the vehicle to remove the lien. AFHC asked my for sales paperwork on a car that I bought nine years ago in anticipation the I would not still have it. I do have it, and I faxed it to them. The paperwork reflects a cash payment in full for the vehicle, but they still refuse to release the lien. 

AFHC likes to play this game where they put you on hold, I guess with the hopes that you will just hang up. Yesterday, my phone show that I was on a call with AFHC for 55 minutes. About 50 minutes of this time was me on hold.
Product: Credit card

I have been victimized by a rather elaborate scam where a woman posing as a representative of a shipping company has utilized holes in the Payment by Phone process used to pay credit card bills. The gaps in the process exist on both the side of the bank as well as on the side of the Credit Card Company. As a result of these deficiencies, this person has been able to steal a significant some of money from me and most likely has other victims in process and is looking for more. 

Further details are included in the attachments to this claim submission.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds, when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balance is despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I have been charged a {$15.00} service fee in a savings account for over a year. I had NO IDEA I was being charged this fee. I contacted the TD BANK at XXXX XXXX XXXX XXXX XXXX NJ XXXX and spoke with XXXX, a Manager there. I explained that I am on social security and had no idea that any savings account would have ANY service fee let alone a {$15.00} per month one. That I wished to have these fees returned to me. She was not helpful or customer friendly at all. In fact I would say she was condescending toward me. She dredged up that when I opened the account a year ago I knew what type of account I was opening, etc., arguing with me. SIDE NOTE I moved to the area a year ago and received a post card from TD saying open a savings and checking account at TD and get a bonus. I did so and when it was time for the bonus to be given I had to argue with this same manager to receive it. Todays issue She then said they would give me half of the fees back {$60.00} vs {$120.00} ). I agreed to this and asked her if now my accounts would both be straight and that I will not be charged in the future? She really did not know, then proceeds to ask my age ( XXXX ). She then informs me that when I turned XXXX ( XX/XX/2020 ) my accounts should have automatically switched to a no fee account. That did not happen. I also had to argue with this bank three weeks ago along the same lines with my checking account as they were charging me {$25.00} in fees. I feel as though I have been unfairly and deceptively steered into products with hidden fees of which I knew nothing about. I do not appreciate this managers poor customer service or the way she spoke to me. I would like all the fees returned to me. She wasnt completely unprofessional in her manner in speaking to and arguing with a customer. Here are my account numbers : checking XXXX savings XXXX XXXX XXXX. XXXX