23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

RE : ACCOUNT NO. XXXX I am requesting a OCC complaint and a regulator who is not solely assigned to the Bank of America. Due to the many underlying factors concerning the Original Loan and Subsequent Additional Unauthorized Escrow and Insurance charges. Basically, I believe Bank of America has discriminated against and continuously violates rights. 

This request is to first inquire regarding my eligibility to refinance my original loan principal. Due to the fact, I have never missed a single principal loan payment and have approximately XXXX equity in my property/home. I was advised starting in XXXX, I should try to apply for a loan modification. Although, I did inquire about refinancing my original loan principle. I was never given any response. 

Therefore, starting in XXXX, I starting the Loan trial process. 
The original loan modification and new loan Modification monthly payment jumped from XXXX to approx XXXX ; I paid that for a 3-month period and suddenly received a notice that the original loan mod amount of XXXX was incorrect. I have copies of the XXXX coupons and a letter saying that the original amount was approved. Then they switched loan mod amounts and raise to another even higher amount of approx XXXX. Which, although i told them ... .I can not afford that extraordinarily higher 4x larger than the original payment. They do not care or listen. Therefore, my Banking Case managers mailed me a loan modification which makes fundamental harmful changes that could cause me further damages and additional already undue stress. One of the biggest issues is that the original loan did not have Escrow or Insurance included. The new XXXX payment has both been included. Even though I supplied the bank with my own personal payments to the XXXX XXXX XXXX office for my XXXX property taxes.
Product: Credit reporting or other personal consumer reports

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY XXXX XXXX ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERELY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH XXXX AND THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN 30 DAYS. THESE LATE PAYMENTS HAVE BEEN UNVERIFIABLE. 

ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I, EXPERIENCES AND TRANSACTIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR
Product: Credit reporting or other personal consumer reports

I am being denied access that I once had the night before or day before I am unable to log into the site I am not able to even reach customer service with the number that they provided I had inaccurate information on my credit report that I was trying to dispute they dispute it some other disputes that I put in but the main one was not addressed for me
Product: Checking or savings account

Every month, Bank of America charges me a fee, {$25.00}, because I have less than {$25000.00} in the account! 

IT IS NOT that I have insufficient funds to cover my expenses, and IT IS NOT that I pay late. What are the fees for? 

I found 12 statements that included the Monthly Maintenance Fee, starting in XXXXXXXX XXXX XXXX ( I didnt go back more because Ive with this bank for over 25 years! ) It sound ironic that because if I have less money than others, I get charged more. I thought of Bidens Administration getting rid of illegal fees, and thats why I writing this note.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MED DATA SYS XXXX MED DATA SYS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MED DATA SYS XXXX MED DATA SYS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Compromised identity theft lead to accounts being closed.
Product: Debt collection

Hello, I have a {$62.00} account from  XXXX  for a final bill currently in collections with Stellar Recovery. I was about 1 month late for paying the bill to  XXXX  and  XXXX  apparently put my account in collections. I was not aware of this, but began making smaller payments to  XXXX  for 2 months in a row once I was able to. The day I found out about my collection via  XXXX   XXXX , I contacted the collection agency. I wanted to do a pay for delete, as I was never notified of my account going into collections. The collection agency said they give a grace period after sending out notification of collections before reporting, therefore, they do n't do pay for delete. However, I am very frustrated with this, because I NEVER received ANY notification either from the original company, or the collection agency that I had an account in collections. I was continuing to pay  XXXX  and was never notified about the account going into collections. I would like to pay the debt, but want it deleted, as I was n't every notified, despite making payments. I have contacted the collection agency twice about this, but they have stated they will not delete the collection in exchange for my payment.     Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank loan # XXXX receiving my monthly payment of XXXX every month for the last ten years check send auto pay from my XXXX XXXX XXXX auto pay by check.two last payment XX/XX/XXXX and XX/XX/XXXX checks was send and delivered as schedule US Bank did n't received the checks because US Bank change their address.without advising or forwarding request. When I notice the issue I did contact US Bank and corrected the address and request US Bank from now the amount will be withdrawn directly form my bank.I am requesting to remove the negative report from my record ASAP.
Product: Debt collection

IT'S absurd how this is! This account is unknown to me. Why does it show my credit report? This account has to be verified, please! I am not under any obligation to this account.
Product: Mortgage

XX/XX/XXXX Consumer Financial Protection Bureau It is with great sadness that I write your company. We were the original owner of this property until an investor by the name of XXXX XXXX purchased this property with the intent that we would at some point, be able to reclaim the property. However, XXXX XXXX allowed the house to go to foreclosure. He suggested that we stay in communication with the bank to maintain residency here. We did as instructed. The bank requested that we send them a copy of the lease agreement with XXXX XXXX and a list of all persons living in the house. We did as instructed, and they responded that we had a bonafide lease. In XXXX of XXXX they requested the same again. We supplied all documents again, also to include every cashed check to date. The bank, XXXX XXXX XXXX XXXX   XXXX XXXX XXXX was the financial intuition that was in ownership of the property, with the company is XXXX, as XXXX XXXX with our checks being sent to XXXX XXXX. The bank has recently sold the house to an investor, in XX/XX/XXXX and yet still receiving our checks for rent and cashing them. However, no one ever sent our family notification of intent to sell. With that being said, the investor has asked us to move without proper/sufficient notice. We are currently in need of your help. First, to assist in what our rights are as tenants and Second, to gain the ability to reside here for at least until the school year has officially been deemed over. Which concludes in XX/XX/XXXX. I have attached a copy of the letters and emails sent from the attorney of the investors, that currently own the house and as well a copy of our lease agreement with XXXX and XXXX XXXX. I will as well attach any cashed checks from the past year to show the intent was to remain here, with the consent of the aforementioned bank. This move in such short notice will cause a massive shortfall for our family. We have XXXX children under XXXX that their welfare is our top priority.
Product: Student loan

I have tried to pay loans multiple times, and each time they say that the payment was reversed. An AidVantage representative told me that they had a routing and account number on file that I did not recognize. I have no idea whose routing/ banking information it was and that terrified me because I do not know whose information was connected with my social security information and my loans. 

I have now accrued more interest due to this problem with an incorrect routing number, when I have attempted to pay to avoid this. 

Any help and guidance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX of XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  -XXXX  XXXX XXXX, XXXX - XX/XX/XXXX, XXXX - XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX, XXXX ( Finance ) - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX Bank - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX 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
Product: Credit card

On XX/XX/year>, I saw a charge for {$540.00} from a merchant listed as XXXX XXXX. I originally disputed the charge as fraudulent because I did not recognize the vendor name and had not entered that specific bar. I was in the same plaza that night ( XXXX XXXX XXXX ) , but only made one small purchase of around {$20.00} using my mobile wallet specifically, I purchased one Modelo and one tequila soda not at XXXX. 

My credit card company investigated and ruled in favor of the merchant, stating that the charge came from a mobile wallet linked to my phone. However, after speaking with the merchant directly, I learned that they handle all common area sales for the plaza, and that this charge may have resulted from a merchant error or misuse of my mobile wallet token, causing me to be charged {$540.00} instead of approximately {$20.00}. 

I then requested that U.S. Bank reopen the case as a billing error, not fraud. They refused, saying I must provide a receipt to prove the correct amount. I explained that, under the Fair Credit Billing Act ( 15 U.S. Code 1666 ), the burden of proof is on the creditor to investigate and validate a disputed charge, and that I am not legally required to provide a receipt for a transaction I did not authorize at that amount. 

U.S. Bank insisted that their internal policy still requires the cardholder to provide proof before taking further action. I believe this contradicts federal consumer protection laws. 

I also contacted the merchant to request a copy of the receipt and any transaction details, but they have since stopped responding and Ive been unable to obtain the documentation. 

This dispute involves my U.S. Bank Altitude Reserve Visa Infinite card, and Im requesting the CFPBs assistance to have this billing error properly investigated and the overcharge reversed.
Product: Debt collection

Keep receiving call from an unidentified number. Every time I answer they dont answer or when they do.. they wont speak with me until I give them my address, ss, etc. 

Call from XXXX ( ID : account services/XXXX NC ) ( them ) XXXX? 
( Me ) Whos calling please? 
( then ) is this XXXX XXXX? 
( Me ) Can you please tell me whos calling. 
( then ) No, I need to speak with XXXX XXXX ( Me ) Yes, how can I help you. 
( them ) Where do you live? 
( Me ) Sorry.. who am I speaking with ( them ) What is your address sir ( Me ) Sorry, I dont give out personal information to strangers. Who am I speaking with? 
*They hung up. 

.. 
I call the number on my phone ID ( then ) service identifies themselves as Portfolio services. 
I wait for representative ( Them ) hello, what is your name, ( me ) XXXX XXXX. Why are you calling me.. XXXX XXXX . 
( them ) I didnt call you .. you called me ( me ) I just received a call from this number. After I woldnt give address thye hung up. So I called you.. Why are you calling me? 
( them ) what is your number. 
( me ) XXXX. Why are you calling me. 
( them ) what is your social sir. 
( me ) I dont give out personal information to strangers. Please identifyi yourself. 
( them ) we need to confirm your identity. 
( me ) you have records you just called me. My number is x.. my name is x.. how many XXXX do you call at this number? 
*Again, they Hung up After some research I see on my credit report : Portfolio recovery/XXXX. I believe this is XXXX XXXX who have never contacted me.
Product: Checking or savings account

I got a call from chime bank stating there was a fraud alert on my account XX/XX/2024. The agent told me I needed to accept conditions on the chime app to stop the fraud happening on my account providing me all my information from my name, email, address and account balance. Once I went to the app to accept the terms to stop the transaction before it happened and all of my money was taken from my account to transferred to another and the agent hung up on me. I called back and the agent informed me I was scammed and that I would INDEED get my money back and a few hours later they denied my claim and closed my dispute before I received the police report. This was not stopping the fraud activity but what the agent had me do was con me providing a fake agent number and name confirmed by the first chime agent who opened my dispute and insured me I would get my money back because they had been having a lot of chime customers getting scammed but they would get money back.
Product: Checking or savings account

On XX/XX/XXXX I filed a dispute for several transactions on my debit card for a company who had locked and took away my access to the digital content I had purchased and didn't issue me refunds on. On XX/XX/XXXX I submitted my written complaint to the debit card company as I was told I would have to do so in order to be considered for provisional credits. They stated my 10 business days would start the day I sent written confirmation not the day I began the dispute with a phone call. On XX/XX/XXXX when I had heard nothing back from money lion I contacted the support to find out what was going on. I was told the dispute department had additional questions I needed to anwser I replied back to those questions the following day and contacted support again on the XXXX. This time I was told because I had not answered back the requested for the questions my 10 days provisional credit would take longer as they needed more time. I told them that was the reason that law was in place to which they began giving any and all reasons why I hadn't been issued my credit. Then finally to blaming me for sending my initial written claim to the wrong dept. I sent It to the email I was emailed the claim form in. They still won't issue my credits stating they need more time. It has been 19 business days since I called In dispute and 13 since I wrote to get the credits as they require
Product: Credit reporting or other personal consumer reports

I request all three consumer companies XXXX, Transunion and XXXX to update my credit report reflected that my student loan was forgiven. I sent them written correspondence from the original lender to make the correction so far no response.
Product: Student loan

To whom it may concern, In XX/XX/2019, I applied for the Public Service Loan Forgiveness program, via Fedloan servicing. On XX/XX/2019, I received a letter from Fedloan Servicing stating that I had only made 26 qualifying payments toward PSLF. The letter also stated that I have 94 additional payments to make, before I was eligible for the program There was very little information in the letter.

I would like Fedloan Servicing to answer the following questions for me : 1. Please tell me why these 26 payments, were different than the many other payments that I have made?

2. Please provide me with the dates of when these 26 payments were made?

3. Please provide me with the amounts of the 26 payments?

4. Please tell me why my income eligibility was only based on the last 12 months of payments, rather across the entire time that I have been make payments?

I also applied Temporary Expanded PSLF. I received a letter on XX/XX/2019, stating that Fedloan needed additional tax related information to complete a review. On XX/XX/2019, which stated that based on my income, that I did not make payments that were large enough, based on the FedLoan calculation. 

At this point, I have been denied both programs for the following reasons : 1. I did not have enough qualifying payments, but I have not been given any specifics of why the 26 qualifying payments were unique enough to be found qualifying. I have not been provided the dates, of those payments nor their amounts. I have not changed anything related to my student loans.

2. Based on an arbitrary calculation made by Fedloan, which only took into account my current income, and the previous 12 payments, it was found the I am not eligible for the Temporary Expanded PSLF opportunity, due to not having made large enough payments.

It stands to reason, that as long as I have been making payments, that I would be at my highest income level currently. Utilizing only the last twelve payments to calculate the amount, is a punitive and arbitrary rule, that is specifically designed to make it easier to disqualify applicants.

I will be filing a complaint with the Consumer Financial Protection Bureaus, and with my local Congressman. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX
Product: Mortgage

The problem from my previous complaint continues regarding the processing of our recast. Our recast agreement is dated XX/XX/2023, because CMG retroactively applied funds to the recast, we overpaid our XXXX, XXXX, and XXXX mortgage payments by {$940.00} each month. CMG has acknowledged this on many occasions on the phone, most recently on XX/XX/2023. During my discussion with the recast department on that day, she told me a manager would call me back this week. Which, I've come to expect poor customer service and empty promises from CMG, no one called me this week as promised. CMG mailed one check to us in the amount of {$940.00}, they still owe us two payments for this amount, or the sum of {$1800.00}. We need these funds to ensure we can make upcoming mortgage payment as I am between jobs. 

I've called their phone number ( XXXX ) 9 times and spoke with someone in the last 5 weeks, I've also sent 5 messages via the CMG online portal. I've also send several emails to XXXX. 

Please help us expedite a quick resolution to this situation. 
Respectfully,
Product: Credit reporting or other personal consumer reports

THE ACCOUNTS THAT I AM DISPUTING DO NOT BELONG TO ME. THEY ARE A RESULT OF IDENTITY THEFT/ FRAUD. PER 15 USC 1681B YU ALL CAN NOT FURNISH INFORMATION THAT I DID NIT AUTHORIZE LET ALONE WRONG INFORMATION AT THAT. I AM ASKING FOR YOU ALL TO INVESTIAGTE THIS MATTER AND REMOVE THESE FRAUD ACCOUNTS ASAP!
Product: Credit reporting or other personal consumer reports

Transunion is violating my consumer rights. They are fraudulently letting XXXX, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on Transunion for failure to investigate as I'm a federally protected consumer. I will also be reporting both Transunion and XXXX to the IRS filling out form XXXX A information referral for unreported income since Transunion gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS. I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. I attached proof that XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX  because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX pays Transunion to report inaccurate information and Transunion refused XXXX give me a fair investigation for their financial gain.