23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/XXXX I received a call from my title company that a check had been returned from my business account. I immediately called my branch who I have multiple accounts ( business & personal ) and personal relationships with and was told that " there was nothing they could do at their level '' and I needed to call the Fraud Department. I ask them why I need to call fraud and they say the same scripted thing " There is nothing I can do at this level ''. 
I logged in to my account immediately after this and come to find out I am not able to view my accounts online because they all say " not available ''. I called and waited on hold for the fraud department who tells me that they have decided to close my accounts and end their relationship with me. Now I am just confused and they keep telling me their same script over and over again " this is all the information we have ''. No one will help me and even the people at the bank that I have trusted and respected at my branch for years wont help me or give me access to my funds. How can you do this to your customers? A small business? Not even notify them in any way? Not give me any answers at all? If it is fraud wouldn't they want to verify charges with me or are they saying I am doing something fraudulent? I have never done anything fraudulent in my life. They have talked down to me on every single call and patronized me and just keep repeating the same scripts over and over again. I have no access to my money or my accounts. I have been to the branch and been ignored at the drive through and they will not answer my calls inside the branch no matter what line I call. I am a brand new small business that just opened down the street from my branch in the midst of a Pandemic and then gets single handedly shut down by Suntrust. 
I have been told every single time that I call that a letter will be sent but it hasn't and I have been told that my funds will be mailed to me but they haven't. 3 months later & no resolution. Now they want me to get a hold harmless agreement from 14 randomly chosen transactions that some of which are cash and everyone know that this is not humanly possible. They will not release my funds until this is done from what I understand and I do not under stand how this is legal or right? I can not get anyone to help me and I call every day now. The deposits that were made were obviously the same rent deposits that are always made every month and they have somehow decided that now they are a problem. I can not get any resolution and no one at my branch will answer my calls. I dont know what else to do other than to report them for grossly mishandling my funds and causing me serious financial hardship. I get blank statements from them every month showing where they took my money from my accounts. They are zeroed out and I am too.
Product: Mortgage

This mortgage was originated with XXXX XXXX XXXX XXXX XXXX in the fall of XXXX, in order to reduce my mortgage interest rate with XXXX at the time that was more than 7 %. My experience with XXXX I was victimized three times. 
1. XXXX withheld one of my payments without posting it and then reported me to the credit bureau for being late. 
2.XXXX  to increased my mortgage payments because the XXXX XXXX XXXX Department of water , claimed that I owed them a {$10000.00} as I was disputing the charges with the XXXX XXXX XXXXXXXX water Dept. I had to take out a loan to pay the bank or have a {$1000.00} mortgage increase. 
I have a single family home but my bill was sometime {$700.00} but this stopped was I had them installed a new water meter. My water bill since average {$200.00}. 
3. As I was processing the refinancing of my home with XXXX XXXX XXXX XXXX XXXX XXXX attached an additional {$15000.00} onto my closing cost. 
So as I started this new account I always paid my mortgage a month ahead. Through automatic deductions 1. Freedom mortgage have held my automatic deductions payments at one time just like XXXX but they could not report it to the credit bureau. 
2. Freedom mortgage also once have applied my advance payment to my mortgage principal without discussing it with me MY COMPLAINT HERE : Freedom mortgage have opened an escrow account sometime earlier this year XXXX, for taxes and insurance.

My mortgage, however call for me to pay my own taxes and insurance : 1. I call the XXXX XXXX XXXX Department of finance,  they informed me that my tax payments were on time. 
I mailed my XX/XX/XXXX tax payment in XX/XX/XXXX, the was paid on XX/XX/XXXX approximately. The XXXX tax customer service, Advised me that when you use the United States Postal Service to make tax payments, it could take up to five weeks before being posted to your account. So the city have started a new pay by phone system.

My next tax payment is due in XX/XX/XXXX And my insurance is paid until XX/XX/XXXX My next mortgage payment should be XX/XX/XXXX, but my bank changed it to XX/XX/XXXX for an increase of nearly {$400.00}.
Product: Credit reporting or other personal consumer reports

This is what I wrote to the company and they responded with saying there has been no personal information that was compromised. 

I am writing to formally dispute my federal student loan obligations due to a significant breach of my personal and financial information. My private dat/ was compromised without my authorization, violating multiple federal laws designed to protect student records and personal privacy. Under the following legal protections, my information should have been safeguarded : Family Educational Rights and Privacy Act ( FERPA ) : Ensures the confidentiality of student records and prohibits the unauthorized disclosure of personal information.

Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicers to protect student data.

Privacy Act of 1974 : Prohibits the unauthorized sharing of personel information held by federal agencies.

Breach of Contract : The unauthorized sharing of student loans borrowers ' personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data. 



Given the severity of this data breach and the failure to uphold federal protections, I formally request the immediate discharge and cancellation of my student loan debt in full. Please provide written confirmation of receipt of this dispute, as well as information regarding the next steps in the resolution process. 



I appreciate your prompt attention to this matter and look forward to you response.
Product: Payday loan, title loan, or personal loan

I took only {$5000.00} short term loan and started paying regularly. I was not very sure that I would end up paying over 110 % interest rate over the years and I have been paying {$570.00} a month for past 22 months and as per their system I still owe them {$4000.00} Here are the details as per their table : Loan started on XX/XX/XXXX First 16 months {$570.00} paid every month : Total = {$9100.00} Interest and financed charged paid = {$7000.00} Only adjusted towards principle amount = {$1800.00} They never highlight interest rate but using I =Prt formula it is 105.96 % which is over ten fold of average standard bank loan rate for unsecured loan 6-9 %. 

Then I got into the debt trap. On XX/XX/XXXX they called me and promised me to lower my interest rate to single digit since I have been marinating a steady monthly payments for 16 months. They refinanced the loan and gave me only {$1300.00}. They have been directly taking {$510.00} since XX/XX/XXXX. 

Here is the details of the refinanced amount : Loan refinanced {$1300.00} 5 months {$510.00} paid every month : Total = {$3100.00} Interest and financed charged paid = {$2100.00} Only adjusted towards principle amount = {$480.00} They never highlight interest rate but using I =Prt formula it is 381.3449 % year which is over thirty fold of average standard bank loan rate for unsecured loan 6-9 % Does XXXX. XXXX of America know how ordinary gullible citizens are duped into this debt trap? THIS IS OUTRAGEOUS. EVERY LAW MAKER SHOULD BE INFORMED ABOUT THIS. I AM GOING TO SEND THIS ENTIRE STATEMENT TO EVERY CONGRESSMAN, SENATORS AND ALSO TO THE PRESIDENT AND VICE PRESIDENT OF THE UNITED STATES OF AMERICA. 

Their sales person was a sweet talker and lied to me on loan terms and interest rate. He said that if I made regular payments for 3 months they would bring down the interest rate to single digit. I never missed a payment for 22 months and to my dismay I found that they increased the rate substantially and despite numerous requests they did not change the interest rate and payment terms. 

As of XX/XX/XXXX, I paid total for {$12000.00} and interest alone {$9100.00} for an initial loan of {$5000.00}, which is 100.0339 % but got into this debt trap by their false and misleading sales tactics. I am a XXXX year old XXXX  patience and self employed. For me buying metformine for my XXXX is important in order to live. With this outrageous monthly payments I will not have any money left for my medication. Their debt trap will lead me to slow death as my medication is extremely important to me. The burden of never ending debt sugar level has increased significantly. Please help I am going to take it as my personal crusade to send details of my debt trap to every senator, congressman and the President and the Vice president of my country, This is what the reality check of America and how its citizen live everyday life.
Product: Credit reporting or other personal consumer reports

Dear CFPB, XXXX XXXXXXXX XXXX XXXX XXXX XXXX It is my understanding that under the Fair Credit Reporting Act, a credit reporting agency has XXXX days to investigate my disputes. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification I have sent letters to ( EQUIFAX ) regarding inaccurate information in my credit file. They have failed in investigate and verify my disputes and the inaccurate information remains in my credit file. Now I would like to file my CFPB complaint formally. Again, I am requesting a re-investigation and verify that all the data for this alleged account is 100 % accurately reporting correctly including every notation, dates, and balances, whether they are currently reported or not. The report presented by EQUIFAX presents several inscorrect information 1 THE DATE OPENED : Is incorrect 2 THE DATE CLOSED : Is incorrect 3 LAST PAYMENT : Is incorrect I 4 DATE OF LAST ACTIVITY : Is incorrect 5 THIS ACCOUNT IS VERY OLD AND HAS ALREADY BEEN DELETED BY THE OTHER BUREAUS, include credit report from XXXX XXXX  and EQUIFAX where the different can be seen.
Product: Money transfer, virtual currency, or money service

The XXXX XXXX XXXX XXXX ( FDIC ) Office of the Ombudsman XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023 Dear Sir or Madam of FDICs Complaint/Dispute Department , I would like to draw your attention to the complaint I filed on XX/XX/2023- which I sent for your attention, in which I clearly stated how I was affected personally, psychologically, and financially by the scam in which Bank of America failed to protect my funds. 
However, it is over 50 days and I have yet to receive a response regarding my claim. 
I wish I can do anything to get this complaint done or get a resolution as soon as possible, seeing as the issue at hand is a matter of urgency for me. 
My complaint is against Bank of America which did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of Bank of America XXXX 
Bank of America and other Banks do have a duty to protect customers against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against the aforementioned fraud. 
Bank of America could have protected me from this ; unlike me, Bank of America knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of a lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact made me question what I was doing. The treatment from Bank of America compounded by trauma and anxiety and has left me in the awful situation I now find myself in. 
Your prompt attention to this matter would be greatly appreciated! 
Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My score on Equifax dropped XXXX points over night without explanation. I called equifax support and they said that it was a mistake on their end and would be fixed but nothing has changed. It has been over a week since I spoke with them. The associate assured me there is no possible explanation for my score dropping so dramatically and I am still at the XXXX on XXXX and XXXX so it is just Equifax I am having this problem with. 

Thanks, XXXX
Product: Mortgage

In XXXX we had an account takeover and had to close our checking account, this was on the same day our mortgage payment and many others were due so they were all returned due to the frozen account status. All other creditors processed the requested changes to our auto pay except for Rocket Mortgage, I have had to call them no less than XXXX  times now to attempt to correct their error. The first call was to complain that I couldnt just update the debiting account number on the auto pay, correct they said you have to cancel that auto pay and then call us back tomorrow to start a new XXXX what how inconvenient is that for the consumer to have to drive the simple process to update an auto pay. I called back the next day and got it set up or so I thought, sadly human error led to the bi-weekly auto pay reset incorrectly and from that time on we missed payments in XXXX and XXXX. Yes Rocket emailed however they look exactly like their marketing emails and their outbound dialer either shows a spoofed number from XXXX XXXX XXXX with no name. If they called from an identifiable number that looked legit and said Rocket Mortgage I would have answered the calls. Their voicemails are too long for XXXX XXXX to convert it to a transcript and quite honestly they call often to sell us a new mortgage so thats all I thought they were calling for.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Mortgage

On XXXX XXXX 2015 we sold our home in XXXX XXXX Texas, the mortgage had been sold to carrington. At closing, the escrow company paid the the taxes that where owed, they then sent a copy of the closing documents to carrington, showing that the taxes had been paid to XXXX XXXX tax assessor by the the escrow company. 
Carrington paid those taxes again. After numerous conversations and multiple attempts to resolve this with carrington, they have n't even contacted XXXX XXXX tax assessor to claim the refund. XXXX XXXX tax assessors website still shows the approved refund waiting to be claimed by carrington. Carrington has to file for the refund because they paid it. 
I should not have to wait to get my money when this is clearly carringtons mistake, they should refund my money immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following problems that need to be investigated, unauthorized inquiries, and late payments and charge off accounts that are not correct and an account that is not mine, a letter is enclosed that explains everything
Product: Payday loan, title loan, or personal loan

I took out a loan with First Virginia lending agency in XXXX of XXXX. I am aware that the agency offers high interest loans ; however, I have been very diligent in making extra payments in an attempt to pay off the loan, which was originally {$1000.00}. I am always told on the phone that only a small amount of my payments is applied to principal, and the rest to interest - and having nothing in writing from them showing how my payments are applied. I provided my email address at the time the loan was taken out, and was advised by the representative that I would receive statements via email. I have been requesting my statements now for months, only to be told that I needed to contact their corporate office to get them. I have repeatedly contacted their corporate office and was advised that the local office ( where I took out the loan ) must provide the statements and that they ( the corporate office ) has nothing to do with transactions at the local branches. On XX/XX/XXXX, I called the local branch of First Virginia and was once again referred to the corporate office for my statements and was advised " their system was down all day. '' On XX/XX/XXXX, I followed up with the corporate office and was told they have no information and to call the local office ( yet again ... ) I spoke with the manager of the local office of First Virginia ( " XXXX '' ) on both XX/XX/XXXX and XX/XX/XXXX, and she keeps advising her " system is down '' and she can only print out my contract. I have been asking for my statements to see how my payments have been applied for six months now and First Virginia is obviously refusing to provide them. I am sure I am not the only customer who does not get any type of statement or detail of how their extreme high interest payments are being applied. On other various dates, I have requested my payoff amount, paid several hundreds towards it, only to be told that payoff amount didn't include interest and the payoff amount was back up to the original amount prior to the payment, within a few days.. By withholding statements and written information from the customers, First Virginia is able to tell customers basically anything they want about their payoffs, payments made and payments that will be due.
Product: Debt collection

I started receiving calls from the number around XXXX XXXX. There would be a human speaking and then they would pause and a robot voice would say my name. They claimed to be collecting a debt or carrying out a " business matter '' with me. After my father and brother receiving calls about this I decided I should call. I called only to be berated and attacked when I would call. I would ask for their name, company name, address, and a license number which depending who I talked to said I had to confirm my information first. I finally was given an address of XXXX XXXX XXXX, XXXX, NY XXXX. I looked up the address to find nothing of the sort existed. The person I was speaking to after yelling over me for several minutes said he would put in my file that they would not contact me, but that they would continue to contact my family. I asked if I could speak to someone and he transferred me to a " QA Department '' which was just a voicemail box it seemed. I called back and asked to speak to a person rather than a machine and he began yelling again and then threatened to file harassment charges if I did n't stop calling and hung up. About 15 minutes later a " supervisor '' called me and said he was there to help since I was n't satisfied with the service. I asked for him for an address ... .he stumbled around for several seconds as I could hear a voice similar to who I was on the phone with before saying the fictional address. He said his monitor was broke and then stumbled through the rest. Finally he said the zip code and then said " oh actually it is ... '' and changed it to something completely different. I told him I would like to be removed from being called along with my family and he informed me in an irritated tone that I would be by close of business and any legal action that could be pursued would be pursued and hung up.
Product: Credit card

I applied for a Wells Fargo Business Credit card on XX/XX/XXXX. I was told I couldn't apply over the internet or via phone since I don't have an account with them although I currently have a XXXX XXXX XXXX  with them. After I applied in person at the bank, I was told I needed to provide personal and business tax returns although my XXXX  score is XXXX with no late payments, less than 1 % credit utilization, 2 hard inquiries in the last two years, and over 4 years of credit history. My business has also been open since XXXX with a paid off business auto loan and healthy business credit. 

Typically banks don't ask for personal and business taxes for credit card products if they consumer that's personal guaranteeing the loan has perfect credit. I was told I was pre-approved but they still needed my tax returns so I submitted my taxes. When I called their customer service I was told I was declined because I had to much debt. This is a direct breach of the Fair Credit Reporting Act as I have {$0.00} in consumer debt. I will attach my XXXX credit report which shows I have {$0.00} in consumer debt so their reason is a form of going against the FCRA.
Product: Student loan

On or about XXXX XX/XX/year>, the Defense Finance Accounting Service sent a {$28000.00} check on my behalf to MOHELA. Because they were in the middle of a platform transition, the money has still not been applied to my account. I've called multiple times and been promised every time they are requesting an expedited response to my issue. I was originally told they had 90 business days to action my request ; now, I'm being told that is just a " estimation '' and the 90 business days is not being met. This is keeping me from filing my taxes. Additionally, I will need to be reimbursed the interest I have been paying that I should not have if this check was applied to my account in a timely manner.