23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, XXXX I submitted a complaint to CFPB in reference to a loan with Bank of America N.A . ( BANA ) case # XXXX. In their final response to me they referred me to the XXXX case no. XXXX XXXX and told me to contact the class administrator or their web site. I tried the web site and it was closed. I contacted the class administrator and they told me the case was closed and I would have to contact the bank for everything. I did learn that BANA had told the court in this case that BANA had deliberately quit sending Form XXXX from XXXX on, but that they would hence forth provide the Form XXXX when legally required to do so. Their was also a CFPB Bulletin issued in XXXX that restates the mortgagor 's responsiblities. I am asking BANA for the corrected copies of the XXXX Form XXXX that is owed to me. I was never provided with either a copy of the Notice or Claim Form that was supposed to be provided for me in the above mentioned case. Becasue I need the form to do an amended return of my taxes it is essential that the bank provide me with this form. Also BANA provided me with a Form XXXX that was incorrect in XXXX. BANA included deferred interest, that had never been reported to me as interest or to the IRS as income, in the princiapl amount of the loan in box XXXX of the form XXXX. Virginia foreclosure law requires the mortgagor to return any money over the principal amount if the value of the property is more than the foreclosed principal amount. BANA did not do this in adddition to adding the interest to the principal illegally. During XXXX I received three letters from the CEO 's office of BANA stating in violation of their agreement with the court and violating the CFPB Bulletin rules, that deferred interest is principal and does not have to be reported as interest. BANA provided corrected Form XXXX for mortgagees that were still being serviced be BANA but not for mortgagees that had been foreclosed on or the loans that had been sold or transferred to other banks or XXXX and XXXX.
Product: Consumer Loan

I changed bank facilities in XX/XX/2016. I paid my truck payment on XX/XX/2016, XXXX and XXXX. I made a mistake when I did my automatic payment out of my account because it as XXXX weekend and I did not think my bank took out the first payment. On XX/XX/XXXX I went to my bank and was advised to call XXXX to see if one of the payments in XX/XX/XXXX could be stopped. Instead of stopping my payment in XX/XX/XXXX they refunded my XX/XX/XXXX payment which I never asked for. Now according to Ally their records are stating I was over 30 days late, which I am providing you with my statements that show I have never been late on my payments. My husband and I have spent multiple hours on the phone with Ally and XXXX along with myself have done 3 way calling with Ally trying to get this resolved. We are currently trying to get a real estate loan and Ally is showing a 30 day late payment with my truck and a dispute on my credit report. I just faxed Ally a copy of my bank statements and a letter and they will not return my calls and I can not get to a supervisor to resolve this issue. I believe this was a data entry error on Allys part and I need this fixed as soon as possible because it is affecting our credit.
Product: Debt collection

I was a victim of identity theft. I have filed serval police reports regarding this matter. I have certified mailed my police reports and requests directly to the creditor, the collection agency and to the credit bureaus asking for answers and help. The original creditor is XXXX XXXX XXXX  and the collection agency is LVNV Funding LLC. I have no knowledge of these accounts. This is hindering my life.
Product: Debt collection

I have never provided my written authorization to First Federal Credit Control to have access to my medical files and records. They have clearly violated my H.I.P.P.A rights and destroyed my credit. 
I DO NOT have a contract, written nor verbal regarding the debt they are claiming I owe. 
I have tried to resolve this issue with FIRST FEDERAL CREDIT CONTROL but they are careless and have no respect for the rule of law. I don't owe them anything, I don't have a contract or financial obligation with them whatsoever. 
They must DELETE the NEGATIVE info they have put in my XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX, XXXX, CA, undefined I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Mortgage

Had damage to house, insurance issued check including mortgage company. Went through their claim process but can't get the money released now to pay for a new roof before winter comes to Minnesota. We have a band aid on the roof but will not survive winter. They have sent the check in XXXX & XXXX ( ex wife ) name even though XXXX is only one on account. Said it was fixed & money transferred electronically by XX/XX/2022. No transfer, called & said would take 24 to 48 hours for management to sign off then 10 business days for a check to be cut & then mailed 5-7 days unless I pay for an overnight label from XXXX. If a roof isn't put on, additional damage will occur, possibly making the house uninhabitable. I need them to release the {$10000.00} that they have of our insurance money so I can get this completed. The mortgage servicer is Shellpoint Mortgage, LLC. This is a XXXX XXXXe loan. I am looking for any help possible. Please feel free to speak with XXXX as I work during the day and unreachable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eastern Revenue has inaccurate information that is ruining my credit score!
Product: Debt collection

Aldous and associates has ignored my attempts to have them correct their mistake on charging me for someone elses account. The name on record is not mine and more. They have refused to send me documents of opening, id 's used, proof that they own the account and and have refused to even dispute the account. I was never sent any 30 day letter to respond to before this hit my credit report this is not my account and if not removed I will forced to file for triple damages plus punitive of {$10000.00} for harassment, hanging up on me, being rude and causing me grate stress while defaming my character. The balance though minuscule does not belong to me for {$140.00}. please respond via mail only no more harassment this is causing me undue stress on a matter I know nothing about. I am elderly and do not go to gyms due to XXXX XXXX.
Product: Credit card

I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.
Product: Money transfers

I send some money to XXXX through XXXX And my family can receive the money And been calling to XXXX and they are so disrespectful And just hang out the phone They not want to give my money back.
Product: Prepaid card

I am receiving XXXX XXXX from the State of California and payments are made to Money Network, who is owned by Fiserv. My first XXXX payment posted to my Money Network account on XX/XX/XXXX and I transferred {$2500.00} to my personal checking, leaving {$3100.00} in the account. On XX/XX/XXXX the remaining balance of {$3100.00} was transferred from my Money Network account to a XXXX XXXX  account that is not mine. I did not know about this until XX/XX/XXXX though because Money Network never sent me any alerts regarding an unrecognized device accessing my account, the change in my personal bank information or the transfer of funds. Money Network lacks all critical security. I filed a report with Money Network, however they weren't able to answer any of my questions or provide any information regarding this incident. I was told it would take up to 90 days to complete the investigation and at that time, I might be refunded a percentage or the full amount. Several other people are also reporting fraud and theft from Money Network accounts and Money Network is not refunding people their stolen funds. Money Network is not taking responsibility for this theft. I called Fiserv and they also are not taking responsibility even though they own Money Network. Because someone knew I was getting state benefits, knew a deposit had been made, and knew my username and password, I am requesting a full investigation be launched into Money Network and the company who owns them, Fiserv, for internal fraud and theft of state benefit payments. I am attaching screenshots of the stolen dollar amount and that includes the date and time. I'm also including screenshots of the routing and account number my money was transferred to at XXXX XXXX. Lastly, I'm including a copy of the FBI report I filed. I have also reported this incident to FDIC, FTC, OCC, Federal Reserve, California EDD, my local police and my state senator.
Product: Debt collection

Dear XXXX, XXXX XXXX XXXX recently declined from over XXXX to less than XXXX because a credit card company ( BBVA Compass ) has been posting a delinquent account on my credit report. I have not received any written notification of the debt or my right to be able to dispute this debt. I have not received a single phone call or letter from this company. I called them multiple times in the month of XXXX to try and settle this alleged debt by paying off the amount they were requesting if they would remove their negative account from my credit report. 

They have still not sent me a written notification of the debt despite my email and phone calls on XXXX XXXX, XXXX in which I gave them my most recent address. 
The person I spoke with was collection agent XXXX XXXX ( XXXXXXXXXXXX, XXXXXXXXXXXX, phone number XXXX XXXX. I have called this number back several times over the last few days in an attempt to settle this alleged debt and have the negative information removed from my credit report. However, after being on hold for over an hour, I have not been able to speak with anyone. 

I am a physician with a very busy schedule and a high patient volume. I really can not afford to spend so much time trying to settle a debt for which I have received no notification to date. I believe that in order to protect my rights as a consumer, an intervention from the CFPB is urgently needed. 

Thank you, XXXX, XXXX XXXX XXXX off on writing full name as per guidelines above )
Product: Money transfer, virtual currency, or money service

This is in regards to PayPal who closed and then stole over {$40000.00} from my PayPal account under the email XXXX I have filed a complaint with the CFPB already and received a more or less automated reply from the company which I do not accept. 

This company stole over {$40000.00} from me and are claiming its due to damages they incurred by allegedly me violating their Acceptable Use Policy. 

I demand they share the damages they incurred that cost them $ XXXX+ because this is just shady wording in their User Agreement to seemingly give them the right to steal money from people. 

They claim I violated the AUP but I disagree with what they said. Furthermore, there are numerous websites that offer the same service I do and PayPal has not shut them down. this is not right and very sketchy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report... 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit card

XX/XX/XXXX I spoke with the manager she told me I had to make a payment by XX/XX/XXXX to keep my account from getting charged off at least {$40.00} so I made a {$40.00} payment on XX/XX/XXXX, my husband passed away XX/XX/XXXX, so I was kind of late because life circumstances I want to make a payment and XXXX and they told me my account was charged off. My account was charged off illegally I was not 120 days past due. They reported it wrong on my credit report and I have proof.
Product: Credit reporting or other personal consumer reports

In account to the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer right to privacy and confidential under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without written consent.
Product: Mortgage

Dear Mortgage Loan Servicer, First of all I appreciate your effort to convey information confirming the mortgage loan issued with the MIN ( XXXX ), that was provided. However, after dedicated communication with XXXX ( XXXX XXXX XXXX XXXX, it was made clear to us that the specific MIN number has been used to identify two mortgage loans in the XXXX System. While one of the loan issued was on one of the property location to be XXXX XXXX XXXX, XXXX, TX XXXX, the XXXX Record confirmed that the other loan issuance against our property addressed at XXXX XXXX XXXX, XXXX, TX XXXX. 
Moreover, XXXX team confirmed that the specific entry has been made by your company employee acting on behalf of service agent. 
Should this information is not correct, please provide a statement of fact that the " Specific Loan has not been issued by any lender, or by you ( Through any other means, fraud etc ), under penalty of perjury. '' Hope your prompt response and co-operation in this matter. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Me and my ex-husband, of over XXXX  years, were issued a check from Bank of America for an escrow overage amount. I have made all payments over the last XXXX  years, which included the taxes and insurance. In the divorce, I was awarded exclusive use of the property via his signing of a quit-claim deed. I did all the research and changed homeowner 's insurance overage upon receiving a better price, thus lowering the escrow payments. In the past if an escrow occurred, the check would be made payable to him and myself. This meant if we wanted to cash it, both signatures were required ; if it was deposited, it had to be in a joint account where we XXXX were signers. what happened here is that he went into the account somehow and changed the mailing address and had the check mailed to him. I did not know he had done this, and upon discovering it, I contacted Bank of America. Although my name was on the check with his, they allowed him to cash it without my signature. This particular check did not have the word " and '' between the names, as the previous checks did. But being that we are both on the loan, they should not have made the assumption that the connecting word was " or ''. When I called Bank of America, they told me that he could do that because he is on the loan. So am I ; yet, they refuse to XXXX me any portion of the check. It should have been sent to the property address, where I could have the money since I made the payments and obtained the lower insurance premiums.
Product: Payday loan, title loan, or personal loan

AD Astra Recovery services purchased this debt when in fact the account had already been closed and the contract was cancelled. They are trying to illegally re-open the debt that is over 7 years old. It needs to be removed off of my credit report.
Product: Checking or savings account

On XX/XX/, I used a XXXX XXXX XXXX. to pay my electric/gas bill XXXX XXXX XXXX  XXXX The app defaulted to the total amount owed XXXX XXXX XXXX instead of the amount I intended to pay, ( {$89.00} ) based on a written payment ( installment agreement ) between me and XXXX. 

I immediately contacted XXXX to reverse the funds ; since it was a weekend, I was advised to wait until the payment posted to my Capital One checking account, contact my bank Capital One ) and advise them they ( XXXX ) agreed it was a mistaken ( unauthorized transaction ) and they would agree to reverse the ( {$890.00} ). 

When I submitted the complaint to Capital One bank, and submitted the requested documentation, they informed me my request was denied based on insufficient documentation. I was told to resubmit the complaint- which I did, along with additional documentation. The claim was denied a second time. On XXXX XXXX, I spoke with Capital One and requested my case be escalated. 

Capital One has failed twice to follow up with me within their stated ( 15 ) day timeframe ; Ive proactively reached out to them and I still have not heard anything about my request. They asked me to submit sufficient documentation a third time and have failed to clarify why the documents I submitted failed to satisfy their request.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my wife and I were interested in buying a home lot in XXXX 

According to the sales person a 5 % down payment which can either be via money wire or check is needed to create a sales contract. In the event we don't reach an agreement on the contract, I was told that my money will be returned to me. 

So since I have my money in an online saving accounts with Discover bank, I opted to do a money wire transfer. The total amount was for {$41000.00} that was wired to XXXX XXXX account in XXXX XXXXXXXX XXXX. 

In the evening of XX/XX/2022 after the wire was made, we did not reach an agreement and I did not sign any documents and was told by the seller that they will not accept the wire or if it happens to be in the account that they would refund it. 

As of today XX/XX/2022 neither the seller says the received the wire nor my bank has any information. 

When I called Discover bank they told me the wired the money but for some reason they have been trying to get additional information from Federal reserve but with no success so far. I called more than 5 times already in the last two weeks. 

The sellers office called me last Thursday stating that they did not received any money and that I should stop calling them. 

I called the federal reserve and they said they don't hold money and that I needed to file a complaint with the CFPB I need to know what happened to my money and why the information is not being released. 

I will enclosed some attachments as proof of what I am saying. 

Please don't hesitate to email me or call me at XXXX should you have any questions. 

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

This morning, I discovered incorrect accounts on my credit report, and Im unsure how they got there. I checked my report as I usually do, but this time I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Because of this, Im requesting a thorough review of the documents I submitted to ensure I wont have to deal with this issue again.
Product: Credit card or prepaid card

Hi, I was doing basement project at my home and opened Home Depot Consumer credit card through citibank in XX/XX/XXXX. I was offered 24 months XXXX % promotional price for any purchase made over {$5000.00}. Therefore, I bought almost $ XXXX worth of stuff from home depot on HD consumer card. However, I kept making my minimum payment plus additional amount to pay off my balance well within 24 months before the promotion expires. 
I started another project in XX/XX/XXXX and again purchased almost {$13000.00} worth of stuff on HD consumer card and was offered the same 24 months XXXX % financing. I paid off {$13000.00} + monthly payments by XX/XX/XXXX to avoid any interest charge on my outstanding promotional balance. 
Then I started another project again in XX/XX/XXXX and purchased {$7500.00} worth of stuff on HD consumer card and was again offered 24 months XXXX % financing. I again paid off that {$7500.00} + monthly payments by XX/XX/XXXX to avoid any interest change on my outstanding promotional balance. 
All this time, I also kept making smaller purchases for my smaller project. As of XX/XX/XXXX, my balance was {$5400.00} due to all smaller purchased. 
On XX/XX/XXXX I was charged {$1400.00} interest fee for some outstanding balance from XX/XX/XXXX. Now that I have been making payments to pay off my outstanding promotional balance, why have I been charged interest for {$1400.00}? When I was making payment they should be applied towards the previous outstanding promotional balance and not on the recent purchases? This seems be to fraud / cheat to intentionally defer your payments so there is always a balance from promotional outstanding balance so citibank can charge interest to the consumer. 
Logically the incoming payment must be applied towards your previous outstanding balance and not towards the recent purchases. What if there was no promotional balance? Citibank would have applied the payments towards that non promotional previous outstanding balance first? This is serious matter making consumer prey to these fraud practice by the bank. 

I would like the interest charged to be reversed. 

Store : Home Depot Card Type : Home Depot Consumer Card Acct # XXXX XXXX XXXX XXXX Processing Bank : Citibank Interest Charged : {$1400.00} on XX/XX/XXXX 2019