23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX XXXX  XXXX XXXX.- present, complete estrangement from my son ( borrower of 2 Rhode Island Student Loan Authority loans ) XX/XX/XXXX Upon realization that he had not started to repay these loans, I ( co-borrower ) assume responsibility of the 2 loans. ( and also his loans from other lenders ) Please see attached 2 pg schedule of actual payments made to RISLA. These payments were made responsibly and consistently to the best of my ability. Also, attached credit report proving at least 3 full years in good standing reported by RISLA. 

XXXX I am diagnosed : XXXX/XXXX/XXXX. Paid loan # XXXX in it's entirety, roughly $ XXXX. My plan : hoped my son would be then responsible for the 2nd loan and I could start to help myself regarding my failing health.

My son, ( borrower ) did not respond and I CONTINUED payments ( greater than 24 ) on the 2nd loan ( # XXXX ) until XX/XX/XXXX XX/XX/XXXXDealing with ramifications of my XXXX 's diagnosis both physically and financially. Impossible to make the loan payments on the 2nd loan any longer. 

XX/XX/XXXX Terminated from my job of 35yrs. Rendered XXXX XXXX XXXX XXXX, Dr. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MA. 
Please see completed XXXX  form attached. 

PRESENT : I have requested RISLA release me as co-borrower of the remaining loan. I've tried to express to RISLA that my extenuating circumstances have created such a hardship that I can not make any type of payments and maintain a minimum standard of living. My circumstances during the term of the remaining loan will only get worse. I most certainly have made an honest and good faith effort to do the best I can to repay. 

Please see attached letter XX/XX/XXXX to RISLA and response letter from RISLA.

My request to be released as co-borrower has been reviewed by the RISLA Loan Servicing Manager, Director of Loan Operations and the Director of Compliance. They maintain that I did not make the FIRST 24 payments on time/ consecutively. There are TWO loans I was responsible for as co-borrower. Initially, when I understood they were not being paid by the borrower, I took responsibility and paid consistently for years. ( over $ 40k ). RISLA will NOT acknowledge this whatsoever. I do understand that my son is working and making payments to RISLA ( $ XXXX balance ). Although RISLA sympathizes with my hardship they maintain there is no policy in place for co-borrower release due to XXXX  XXXX. There is a policy in place for the borrower, with whom I have equal responsibilities. Therefore I have the right to full discharge due to my XXXX XXXX  XXXX. ( Never mind the good faith efforts I have made to be responsible regarding re-payment. ) This situation has been demeaning to me and caused me needless distress. In the meantime, I have been released as co-borrower for each and every other private and federal student loan I have co-signed for both my son & daughter.
Product: Mortgage

Shellpoint is refusing to review and grant me a loan modification. I have no active sale date. I was in a prior bankrucpy but the payments are not affordable. I personally believe Shellpoint is doing this because they know I have equity in my home. I owed about {$140000.00} on my mortgage and my home is worth about {$270000.00}. On XX/XX/2020 Shellpoint stated that I was not eligible because I already applied too many times for a loan modification, although none were ever approved. They also stated they dont have details of each application. 

There is no federal law or guideline that limits the amount of applications I am allowed to submit. My income is more than enough to qualify for a loan modification and what is being done to me in the time of this pandemic is extremely unfair and prejudicial and is only being done because Shellpoint knows there is equity in my home and they can get the entire loan balance at a foreclosure sale.
Product: Debt collection

Called Debt collection agency on XX/XX/XXXX at XXXX ( Easter Daylight Time ) no one answered and received no call back. The debt  had just been transferred to this " Law Office '' 3 days before hand. I have received no written letter of collections or email or calls. The debt collector has abused the collections notice on my credit twice in the last 30 days for the same debt which has already been reported and noticed in collections 4 additional times. As of XX/XX/2020 I have received 0 communication from this company about collections.
Product: Credit reporting or other personal consumer reports

Equifax continues false reporting negative information lentegrity after I have filed lawsuits. The XXXX family is behind this with the XXXX XXXX families
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My complaint is about my mortgage company, Pennymac Loan Services, not processing my payments. On XXXX XXXX XXXX, we called in a payment as usual to the automated symstem for our XXXX due date. 
At some point after XX/XX/XXXX we realized that the money had not been taken out of our account so we called Pennymac and they said that they had a note in the computer that it was it was called in on the XXXX but it hadn't gotten to the right department yet because they were backed up with their processing. We had approximately 3-4 more conversations before XX/XX/XXXX with Pennymac trying to follow up and they assured us that we would not be charged a late fee. However, on XX/XX/XXXX, we received our XXXX statement which reflected that we still owed for XXXX in addition to XXXX. We then called and spoke with a XXXX on XXXX. At that point XXXX rescheduled our XXXX payment for XX/XX/XXXX which we were later informed that it should not have been done that way as it made it look like a late payment. On XX/XX/XXXX we called back and spoke to XXXX who I think was the one who told us that the delay in processing was due to California fires which was also affecting many other customers but they were working on getting it straightened out. On XXXX we called our XXXX payment in to the automated system and it said payment was received. 
On XX/XX/XXXX we called back again and spoke to XXXX since the money for XXXX and XXXX had still not been taken out of the account. XXXX said that they had a new system and were behind on thousands of peoples accounts, not just ours, and to give them 4-6 days to get it straightened out. We called back on the XXXX and spoke to XXXX and she said that they were still working it. We were worried about our credit being adversely affected and potential foreclosure proceedings being started since the statements still showed us being delinquent and Pennymac gave us no documentation that the delay was due to their systematic issues. Finally, we called back on XX/XX/XXXX to see if they would give us documentation to assuage our concerns. They said they could not generate anything like that so we let them know that we would be filing a complaint since we were aware of people having foreclosure started on them unjustly when they were verbally assured that their account was in good standing even though the statements reflected otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Although banks review consumer accounts for any reason without notice, when US Bank NA froze my funds of {$97000.00} on or about XX/XX/year> ; it was discrimination based on race and national origin. 
US Bank did not base its decision to freeze my life savings on objective criteria related to risk ; rather, the bank decided to manage risks in its banking operations based on discriminatory policies and discriminatory practices. It was a aware that I am a XXXX consumer when I opened my account and also knew or had reason to know based on its own internal monitoring and reporting that its policies of giving unguided discretion to its consumer banking operations, specifically in business checking products, was resulting in discrimination. US Bank knew that its policies and practices encouraged the improper placement of XXXX consumers into their financial products and that its internal system designed to ensure proper placement of these consumers was ineffective and subject to easy manipulation. 
US Bank 's internal documents will show that senior officials were aware of the numerous tactics employed to restrict XXXX consumer 's checking accounts and that a significant percentage of non-White consumers were frozen based on risk compared to its XXXX ones in similarly situated banking products. Thus, US Bank did not act to adequately compensate consumers who were victims of discrimination like me nor did it take effective action to change its policies or practices to eliminate discrimination. 
Therefore, this is not a dispute that involves provisions of my contract with the bank ; it is a bona fide complaint to hold US Bank accountable for its violation of consumer banking laws and to get my life savings of {$97000.00} back.
Product: Mortgage

To whom it may concern, I currently have a mortgage held by Bank of America with a payment plan under the modification program with an interest rate of 4.5 %. Through the entire pandemic I did not miss one single payment or was late with one payment. Last year I received a letter from Bank of America stating that my escrow account didnt have enough funds in it and that Bank of America was going to start taking out a little extra each month to repay the escrow which is short. When I called Bank of America and inquired about this and I informed them that I did not miss one single payment my question was how can my escrow account be short? I was told several different responses as to my taxes had gone up my insurance had gone up or I had missed a payment. I do not see my taxes went up enough to make my escrow short by almost {$5000.00}. When I asked them about the payment plan that they have in place to replenish the escrow my question was am I paying interest on this money thats being repaid? I was not given a definite answer and I also request to speak to somebody who would know exactly what was going on. I do not understand how they can go ahead and not make the proper payments that were necessary as far as principal, interest, escrow. Ive already had a difficult time with Bank of America back in 2010 when they put me into a modification program that I never authorized and started taking out extra money per month to cover the escrow which was not in my budget. 
So my complaint to you is Bank of America charging me interest on this extra time that theyre giving me to replenish my escrow? If so then why should I go ahead and pay interest on top of interest then Ive already paid. Its bad enough that they wouldnt help me refinance my house a couple months ago due to the fact that my income was down because of the previous year with a pandemic. As I stated I did not miss any payments during that time, my credit rating is XXXX, and I have enough money in the bank and in mutual funds that can be accessible if needed. I do not trust Bank of America. Too big to fail to big the jail my XXXX. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX
Product: Checking or savings account

On XX/XX/XXXX I called US Bank to dispute charges on a non stolen debit card from the dates of XX/XX/XXXX - XX/XX/XXXX the total amount stolen was XXXX through a XXXX XXXX account. The bank gave me provisional credits which it later revoked totalling XXXX. Not only is the amount revoked higher than the original complaint but they also refused to give me my money back which was clearly frauded and verified through XXXX XXXX
Product: Checking or savings account

I have been a Navy Federal member since 2017 I have had issues with overdraft fees and thought it was a bit strange and didnt really think anything of it until recently I was made aware of a dispute about the situation
Product: Credit card

My apt was closed bad on what i believe to be fraudulent activity. I 'm told I 've missed 4 payments in a tow when debits to my checking account shows different. Tried to access my online crefit card account and it was closed after a large payment of XXXX was paid on it. Then was told that that csme almost 7 dats after the account was closed and i had been notified that my acvount was closing. When i told them XXXX XXXX this was industry he became rude and disrespectful. I would not argue so i hot of phone to reach how to file a Formal complaint against he and Bank of America
Product: Checking or savings account

Hello, I purchased an airplane ticket from XXXX XXXX XXXX on XX/XX/2020, with my Bank of America card for {$100.00} for a flight from XXXX to XXXX XXXX, XXXX. 

My airplane ticket was canceled by XXXX XXXX XXXX on XX/XX/2020. I contacted the airline on XX/XX/XXXX to request a refund. They offered a travel voucher, which I did not accept and requested a refund to my account. After arguing back and forth, XXXX XXXX offered to return my money ( I have the email as proof ). 

On XX/XX/XXXX, the airline emailed another message, said they would give me a travel voucher after agreeing to refund my card, I responded it was not acceptable and to return my money. They agreed to refund my purchase but did not. I then filed a complaint with the bank because I did not receive the service. 

Bank of America is refusing to credit my account. I believe it's against consumer law because I did not receive the service I paid for and the merchant canceled on me. I have called Bank of America numerous times to address this over the phone, only to wait for 30+ minutes for the automated system to hang-up on me. This keeps happening. 

I was instructed to go to my local branch to address the issue on XX/XX/2020 by a Bank of America customer service rep on the phone. Today I went to branch located at XXXX XXXX XXXX, XXXX, MA XXXX, and spoke with the assistant manager, XXXX XXXX. I showed him the email that stated the airline would refund my money and I believe I am protected by consumer law. He agreed I was protected and they airline said they would refund my purchase since they canceled, but XXXX told me they will not refund the money and to file a complaint with the attorney general office. This is unacceptable, I have been a client for 27 years. 

Please help. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$6000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/2023 {$120.00} Open balance XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$130.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1100.00} Open balance XXXX XXXX  XXXX Original creditor
Product: Vehicle loan or lease

I applied for an Automotive Loan approximately 2 weeks ago at XXXX XXXX in XXXX for a XXXX XXXXXXXX XXXX, the Finance amount was supposed to be {$10000.00} My Credit Score is Average to Good. And the Interest Rate for THAT DAY was around 4-5 % when I checked it. After Obtaining & Securing my loan, about 3 Days Later I Logged in to my account to See and Check the Terms of my Loan, but the Interest Rate was Missing and Not Shown, so I called and asked if they could send me the terms of my loan to my Email, or via USPS. about 3 days later, I received in the Mail a Statement of the VERY SAME THING I saw Online. a Simple Statement of the Balance, Payment amount, but the box where the Interest Rate Was, was BLANK. It became VERY Obvious even from the first time I logged in to my account that this Company was using DECEPTIVE PRACTICES by HIDING the INTEREST Rate from the Borrower. After Calling In Again and Complaining, It was Revealed that my interest Rate was an OUTRAGEOUSLY HIGH 12.4 % More than DOUBLE the Prime Rate. A Second Statement was Mailed to me Disclosing the Interest Rate. This is Not only PREDATORY and DECEPTIVE, but there is absolutely NO REASON Why I should have been given an Interest Rate MORE than DOUBLE the Prime Rate, with Average to Good Credit.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found severel items that are unauthorized and there are to be inaccurate information. Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, Immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , This inquiry are not authorized, Please Remove all from my credit report Immediately.
Product: Checking or savings account

XX/XX/2023 I apply for checking account i was told no because of fraud.
Product: Checking or savings account

My husband and I signed account closure paperwork for our savings and checking accounts with the bank on XX/XX/XXXX and withdrew our funds to a XXXX  balance. The bank allowed a fraudulent charge to our checking account of {$25.00} on XX/XX/XXXX and tacked on various overdraft fees and refused to close the account as it was now in a negative balance. Note that they also refused to close our savings account even though no charges were made to that account. After negotiating with the bank and filing a fraud claim all charges were reversed by XX/XX/XXXX and we requested the XXXX branch manager on both XX/XX/XXXX and XX/XX/XXXX to close the accounts at that time. Not only have they not been closed, a fee was applied XX/XX/XXXX and a further overdraft fee was applied XX/XX/XXXX. Despite a third request to the bank branch to close the accounts on XXXX our accounts remain open as of XX/XX/XXXX. This includes the savings account which has been at a XXXX balance since XXXX with multiple requests to close it.