23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern, I made a mortgage loan application with Bank of America on XX/XX/XXXX to purchase a home. 
Per my real estate contract, I was to close on XX/XX/XXXX. 
When I inquired about my loan status as we were getting close to the closing date, I was told that the Sellers Realtor had not returned the appraisers call to schedule the inspection. After this went on for about a week, I called the Sellers Realtor and she said that she had not received any call from anyone to schedule an appraisal for this home. I advised Bank of America of that and after we traded a number of calls, and a week had passed, they finally admitted that no one had made a call to the Realtor.  Basically, I had been lied to repeatedly for that period of time. 
Then Bank of America told me the real problem was that their appraisal firm that they use was having a hard time finding an appraiser in that area. That seemed to be hard to believe because 694 homes were sold in XX/XX/XXXX in that immediate area and I doubt that they were all cash. Other lenders clearly were able to find appraisers. 
The day before the scheduled, contracted closing, I was told that they loan would not be ready to close, and Bank of America asked if I could delay the closing by a week. I got with both sets of Realtors and the sellers agreed to amend the contract and close on XX/XX/XXXX and not XX/XX/XXXX as per the original contract. 
The next week was no different. Now after the original scheduled closing that did not happen and was subsequently rescheduled for XX/XX/XXXX, for the very first time Bank of America was asking me for some new additional documentation and some work to be completed on the home prior to closing. Needless to say, the loan did not close as re-scheduled on XX/XX/XXXX either. The day before the second scheduled closing I had to make arrangements to borrow against my stocks to close per my real estate contract. 
The saga continued from there. Bank of America suggested that I apply for a XXXX XXXX Delayed Purchase Loan. Since I had so much time and effort with them that is what I did and I just closed the loan on XX/XX/XXXX, four months after I started my application. 
This was a complete fiasco from beginning to end. I was lied to, mis-informed, closing dates were missed or completely abandoned at the very last minute. I could not find anyone within Bank of America that cared. 
Based on all of the above I would like to file a formal complaint with the CFPB. If you have any questions or require any additional information, please contact me. 
Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, I went to a doctor XXXX XXXX XXXX XXXX, I found listed on my health insurance company ( XXXX XXXX XXXX Utah ). Following that visit, I received two separate bills, both for the same amount, and for the same incident date. One of the bills was from XXXX XXXX, and the other was for XXXX XXXX. I had met my out of pocket maximum with XXXX, so they were obligated to take care of the bill. They paid XXXX, but not XXXX XXXX, and despite multiple attempts to coordinate with XXXX, XXXX, and XXXX XXXX over the past year, and multiple assurances from each company that they were looking into it, and it would be taken care of, XXXX XXXX has assigned the debt to CBE group, a debt collection agency which has reported the fraudulent debt to credit reporting agencies ( despite me informing them that the debt was not accurate and was being investigated ) and reduced my credit score by XXXX points. The fact that I have to bear the consequences of these companies incompetence is unbelievable. This is now impacting my ability to finance a mortgage or auto loan and is a fraudulent report.
Product: Mortgage

this is the fourth complaint about this company they sent us a letter stating they sent our information to wrong adress now they want us to get identity theft protection it is bad enough they are runing our credit now our safety. something must be done to protect us from all these fraudulent things they are doing i am trying to get a lawyer to help us. this is consumer protection please help us stop all the harm that is being done to us we are senior
Product: Checking or savings account

Good afternoon XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a couple of days ago I was viewing my statements from Bank of America and realize two transaction that I did not authorize. I could not find my card so I call Bank of America to tell them of the situation and open a dispute a couple days later Bank of America stated that the transaction was mine Because they see me doing multiple transactions and I did not review my statements. They see me do multiple transaction but not with a credit card with XXXX to pay my workers or wire transfer. they never see me use a credit card so can you say is my fault that I did not view my statements theres millions of people dont have the time to view all their statements each year. It is your job to rectify it. When a customer see the mistake. I called in about it not throwing blame on the Customer. If you seen a large transaction use from a debit card. It is your job to reach out to the customer to verify with them. To see if it was them making that large transaction but Bank of America never did that but they want to throw the blame to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent Equifax, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Product: Debt collection

THIS ACCOUNT WAS CLOSED AND THE UNIT CONTENTS SOLD. I HAD REQUESTED FULL DETAILS OF THE PROCEEDS RECOUPED AGAINST THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Facts : 1 ) In XX/XX/XXXX I received a letter indicating I had an escrow shortage. I was given XXXX options : a ) make 1 payment with total shortage or b ) spread shortage over 12 months. I chose b. 
2 ) I received an email on XXXX/XXXX/16 that my mortgage payment ( including additional escrow ) was applied. 
3 ) Today I received an email that a late fee had been applied because my payment has not been received. 
4 ) The payment was made per my bank statement. 
5 ) The payment was received per email dated XX/XX/2016.. 
Today I called customer service and they indicated that had my payment but it was suspended and not applied because I failed to 'request permission ' to spread the shortage over 12 months even though my payment reflected the increased amount.. The request procedure was n't very clear in the letter I received in XX/XX/XXXX nor have I ever had to " request permission '' before. The letter clearly stated that I have XXXX options and even provided the new payment amount. I feel the mortgage company is trying to take advantage of its customers and force them to make a late payment even though they have received the on time payment.
Product: Student loan

Please review my original case # XXXX. It was closed after a response was sent in from XXXX XXXX XXXX of Fed Loan Servicing. Please do n't close this case out until my issue is resolved. The original issue is not resolved, and it does n't make sense for CFPB to close out the case if they receive a letter from a Fed Loan Servicing Vice President. 
Fed Loan Servicing recently sent me an updated service history showing XXXX payments qualifying towards the PSLF program, better than the XXXX they had on file before I asked for an audit, and better than the XXXX they dropped me down to once the audit started. XXXX " qualifying '' payments are needed to forgive my loans, meaning I have to send in the amount due in total each month. XXXX payments were marked as non-qualifying as " full installment was not satisfied ''. Fed Loan Servicing intentionally shorted the amount due ( in bold print ) so I wo n't be able to reach the XXXX qualifying payments. Please review the attached documents proving the Fed Loan Servicing sent me XXXX incorrect monthly " payment amount due '' invoices. All XXXX payments are off by a total of {$3.00}, and I would be willing to pay the {$3.00} to get these XXXX payments into compliance. 
There is more to the story, so please read the attached word document and see scanned in images of the invoices in question. XXXX payment made to XXXX, the servicer prior to Fed Loan Servicing was XXXX PENNY short back in XXXX/XXXX/XXXX. I am requesting that Fed Loan Servicing produce the invoice so we can see if that contained an incorrect amount due total. 
Fed Loan Servicing Borrower Advocate XXXX XXXX was assigned to work with me. I am corresponding with Senator XXXX XXXX 's office. I have made a complaint to the XXXX Ombudsman 's office and submitted a complaint at XXXX feedback center. 
Something is not right at XXXX and PHEAA 's Fed Loan Servicing. It is like they do n't want me to make the XXXX necessary payments. At no time have they put me in a past due state when the numbers did n't match up. Serious attention should be given to this, as a lot of people are going to be putting in for XXXX starting in XXXX XXXX. They are going to have a rude awakening to PHEAA and Fed Loan Servicing.
Product: Mortgage

I brought a home as first time buyer, shortly thereafter my mortgage was changed to a different servicer, Mr. Cooper. My monthly mortgage payment included my PMI insurance for an amount of {$2100.00} per month. At closing I paid for my hazard insurance for the year. On XX/XX/2023 that policy was to renew with XXXX. However, XXXX quoted an increase of {$2.00}, XXXX increase. I told them I am not renewing. The escrow department for Mr. Cooper called XXXX and XXXX told them the hazard insurance is XXXX. When I tried to make a payment, I noticed my mortgage was now {$2300.00} for a monthly payment. I called Mr. Cooper who told me that was for my hazard insurance. I then conferenced called XXXX with Mr. Cooper 's escrow department. XXXX acknowledged the mistake and stated they would send the check for the difference as they could not send it to the escrow department. Mr. Cooper 's escrow department stated, once I receive the check for the difference of {$1800.00} from XXXX, to immediately deposit in my escrow account and my mortgage payment would resume the original amount of {$2100.00}. I made the XXXX payment of {$2300.00}. On XX/XX/2023, I received the check in the amount of XXXX in which I deposited into my escrow account,. I called Mr. Cooper and they claim they would do an escrow analysis to correct the erroneous increase. On XXXX the problem was not resolved. I called again and spoke to XXXX XXXX did not give me her last name ) and she stated the mortgage would not change. The escrow department advanced payments and that paid for the credits. I asked for an account history. After receiving the account I asked why am I being charged a PMI. XXXX stated that is part of the loan. As we went down the list of transactions, the amount deposited was not deducted. The PMI amount is included in the mortgage payment of XXXX. I am being charged twice for the PMI and my fixed rate mortgage should not be at {$2300.00}. I made the XXXX payment at that amount and now I need to know what do here. I calculated the discrepancy on just the hazard insurance error and it is at {$2600.00} not to mention XXXX I am being charged twice since they took on my mortgage loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX  - collection XXXX XXXX - collection XXXX XXXX XXXXXXXX - late payment XXXX XXXX XXXX XXXX XXXX XXXX - collection XXXX XXXX XXXXXXXX - collection 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 Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Employers : XXXX XXXX
Product: Credit card or prepaid card

This is not a duplicate complaint technically seeing is that Cashapp has responded and had these complaints closed without addressing the issue typed and it seems this Consumer Department is helping them do so. So here is the complaint for the company to address. I was harmed on both XX/XX/XXXX andXXXX XXXX, XXXX in Wisconsin because my financial institution Cashapp who operates out of XXXX XXXX, CA let funds go from my account even though I did not have enough funds to make the purchase the merchant displayed one price and charged another. It does not appear to have went through any various of incremental price adjustments. Just flat out charged more than what was in my account. Held my funds pending for days. At times when someone I owed came to collect there money I couldnt pay that person and we got into fisticuffs I received bodily injuring blows and at one point I was having an anxiety attack paired with a sciatic nerve in my back that restricts my inhalation and I could not remove myself from the situation because my life was being threatened by my body. These transactions technically completed because the merchant had to cancel them. These transactions were completed not peer to peer and was made with their cash card liability belongs to Cashapp without a doubt. I do not have a borrow allowance for sure and stock round ups accumulated or a lack there of because of these transactions being initiated and technically paid to the merchant. If I didnt faint my heart would have arrested completely to my knowledge. All of this has caused me Extraordinary Emotional Distress as well as pain from what I encountered on the day. My body and mind paid and is paying the overdraft fees of these transactions and the app told the truth of the matter despite everything. It didnt expire it was canceled. It wasnt declined because it wouldve never been there to have been released on another day and would read specifically NOT ENOUGH CASH https : XXXX information in this link is, to me, quintessential to understanding where I am coming from. This department can not close this claim without Cashapp properly addressing this matter and going further with nothing other than them remedying the situation. Do you Cashapp disagree that in order for something to be canceled that cash would have had to been posted? Do you Cashapp disagree that in order for Something to be voided that XXXX would have been had to have been posted in any form or faction?
Product: Credit card or prepaid card

I was trying to replace a lost credit card through the mobile banking app. I was given a phone number to call which took me to an automated phone system. The system asked me to say my credit card number or enter it using the phone keypad. No matter what I did, the system would not recognize my inputs and eventually disconnected my call. I called this number repeatedly and the same thing happened. I also tried calling various other customer service numbers which took me to the same unresponsive system. At one point I was able to get onto a waiting list to speak to a human customer service representative, but after waiting for XXXX minutes my call was dropped. I was subsequently unable to get back onto the waiting list phone line. It is now impossible for me to replace my lost card.
Product: Credit reporting or other personal consumer reports

As seen in the attached history of payments from the Honda Finance Website, payment reversals happened. I selected autopayment and received no notifications of the reversals. Once my credit score was affected, I learned of these reversals. Since then, I have stayed on top of these payments manually.
Product: Credit reporting, credit repair services, or other personal consumer reports

Too many of my profiles being listed in areas I use to live. The past 5 plus years I have been accused of too many crimes and my credit reports have been sabotaged.. also trying to get proper paperwork consuming Power of Attorney papers to Insurance papers of all types.. medical..health..life insurance policies etc.. tired of no one helping me knowing I have sent out reports in 3 States now. ALABAMA.. TENNESSEE. AND HERE IN VIRGINIA.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL INQUIRIES THATS LISTED IN THIS UPLOAD ONLY A.S.A.P. 

SECTION 604 of the Fair Acting Report Act, Permissible Purposes of Consumers Report 15 USC 1681i 15 USC 1681b - 15 USC 1681i 15 USC 1681b - FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block _______________________________________________________ XXXX XX/XX/XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance CompaniesXX/XX/XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment XX/XX/XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXXXX/XX/XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XX/XX/XXXX Inquiry : XXXX. XXXX, XXXX + Banks XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Banks
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : 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 Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Mortgage

During the past 2-years I have experienced extreme incompetence in the servicing of both my home mortgage loan ( XXXX ) and an equity loan ( XXXX ) as well by Navy Federal Credit Union ( " NFCU '' ). In the past, I would call NFCU 's mortgage department and/or customer service and request transfers from my checking account to pay both loans. Unfortunately, due to several frustrating and harassing calls by NFCU 's mortgage department stating that my accounts were delinquent, when in fact they were NOT, I ceased calling-in to pay both loans via telephone. Over the years NFCU consistently would assess late fees and call with harassing requests that were INCORRECT. I began going into the branch and making both loan payments directly with the tellers at either XXXX and/or XXXX, MD branches. Unfortunately, these same incompetent ERRORS continue to happen! I received a harassing phone call from NFCU stating my account is delinquent when in fact the teller incorrectly applied the payments on the same day that I make BOTH payments. Late fees are accessed that are based on NFCU 's errors and attempting to get clarification from NFCU representatives proves frustrating and often unbelievable. Their technology is obviously not advanced to meet the simplest demands from clients/customers, nor capable of actually reflecting accurate payments. It is an antiquated NFCU practice to make a loan payment, funds must be transferred from an existing account, thus, prohibiting direct cash payments when in a branch, and I strongly believe this creates confusion for the tellers. 

Bottom-line, I want ( 1 ) an accurate statement per loan listing each and every payment I have made within the past 2 years, and ( 2 ) removal of all late fees. Additionally, I want ( 3 ) a separate statement providing full disclosure ( dates and corrections ) of the incorrect application of funds to either the equity line or mortgage loan payments. Today I spent over an hour on a call with a NFCU mortgage representative, XXXX ( XXXX ), who had to transfer to a mortgage supervisor, XXXX ( XXXX ) and both were more confused than I was with the status of my loans and the application of my payments. XXXX even questioned why late charges were not applied to my account when in fact my payment have been made in advance or due dates yet NFCU 's mortgage system does not accurately correspond with the checking account records ( which lists the actual transfers from my checking to pay the loans ). 

The customer service has been unbelievably inept and amazingly automatically accuses customers of being delinquent when in fact they are NOT DELINQUENT. A customer MUST keep all receipts received from the BRANCH because the information placed in NFCU 's computer system/technology by the NFCU 's inept representatives does reflect actions taken by consumers. NFCU should be placed on some form of regulatory supervision and it should be publicized so that all customers are aware of the magnitude of dysfunction that ends up costing the customers and being profitable to NFCU.
Product: Mortgage

My mortgage was bought by XXXX. The new company Vanderbilt reported me as 30 days late on a payment. I asked Vanderbilt home mortgage to send me my payment history which they did and it shows I was never late and never missed a payment. They will not remove this derogatory finding from all XXXX credit bureaus.