23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have multiple home loans for multiple properties. 
I lost my job in XX/XX/XXXX due to having to close because of covid restrictions. One of my tenants decided to break their lease because landlords can't do anything in Washington State because of covid restrictions.

I contacted all of my lenders. I put all loans in forebearance. After 4 months I was able to get a new tenant and I rearranged my finances so I could start paying my mortgages again. 
All my other 3 banks put me directly into deferment and I have been on track since XX/XX/XXXX. 
My complaint is that Bank of America has refused to put me in deferment. I have contacted them numerous times and the first time I called they said that I missed the deadline by 3 days so I was no longer eligible. 
I have a XXXX XXXX XXXX ( XXXX ) so it is difficult for me to understand and read a lot. 
On their form, they had in big bold red letters : " Congratulations, your loan is now in deferment. '' I didn't see that at the bottom of the page in fine small print was " if you call us by ... '' When I called they were rude and just said I missed the date and would have to go into forebearance. 
The next time I contacted them after the 3 month forebearance period, they said just to make a regular payment the following month and I would automatically go into deferment. 
I made the payment on the payment coupon they sent me. Then I received a notice saying they would not apply my payment. 
I called Bank of America and they said the payment was {$20.00} short. I told them I played exactly what was on the payment coupon. They said that I wasn't supposed to pay that amount and that the correct amount was in a 30 page document on page 17. I explained that no one told me that when I called and that I have a XXXX XXXX  and with my XXXX it is difficult to read and comprehend. 
I told them I would make a payment today over the phone so they could put my loan in deferment. They said they would not take my payment because it was after the due date and I would have to go into forebearance again. 
I even had someone call for me and they assured me that Bank of America said I would automatically be put in deferment. 
I have called and been given misinformation and I am now on my 5th request for deferment. 
Now they just sent a letter on XX/XX/XXXX saying they will not help me with my home loan and I need to pay them {$20000.00} now. 
This is on my primary residence and they are trying to take my home. 
All my other banks were there to help me make my payments during the Washington State covid crisis. Bank of America is the only bank working against me. I have an XXXX credit score, made numerous attempts to pay them and they have been unreasonable. 
Please help me keep my home and make them do the right thing by putting me in deferment which is what they should have done in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a right to privacy and i never have XXXX XXXX permission to furnish a report on me.

15 U.S. Code 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

XXXX XXXX never notified me that i was late on a payment which violated 15 U.S. Code 1666b. 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.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concern with Zelle handling of disputes particularly in light of CFPB lawsuit, highlighting significant issues with the platform. By using Zelle numerous times the reporting discrepancies my financial Institute and Zelle failed to in Investigate my claims adequately. They informed me that recovering lost funds was impossible the tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect customers, but has also allowed repeated offenders to exploit the system. Leaving users, such as self vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 dispute letters on the dates below because CREDIT ACCEPTANCE is reporting inaccurately and violating my rights under the FCRA and FDCPA. 

This account has been closed since XX/XX/XXXX and it is still reporting as an open account, there are late payments still reporting even after this account has been closed and this account has been illegally re-aged from XX/XX/XXXX to XX/XX/XXXX, so they are reporting old debt as new debt. 

On XX/XX/XXXX, I disputed an account reported by CREDIT ACCEPTANCE and I was informed on XX/XX/XXXX that the item was deleted from my XXXX  credit report. Now I have discovered that the item has been reinserted on my credit report and I was not notified of the reinsertion in writing within 5 business days. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

on XXXX/XXXX/2017 i opened a citipriority checking account for {$50000.00} with the promise to re ceive {$500.00} after 90 days if the {$5000.00} remained at that level. i couldnt open the checking account on line because i get my mail at a XXXX XXXX . this is because the post off at zip code XXXX does n't deliver the mail in town to my street address. and because my street address is not recognized by the post office i had to sent citipriority all sorts of documents verifying that i have a valid street address. so the account was opened on XX/XX/XXXX and i started receiving monthly statements. as ofXX/XX/XXXX i call the bank to question why i had n't received the promised {$500.00} bonus. on XX/XX/XXXX i received a letter stating unfortunately your account does not qualify for the promotion because your checking account was not enrolled in PAPERLESS STATEMENTS.no one ever told me any time along the process that i had to enroll in paperless statements. when i saw this deal on the internet i told a friend of mine in long beach ca and she went into the bank and opened the same checking account. she was told that she was n't going to receive the bonus for the same paperless statement problem. i have seen on the internet 4 other people with this exact problem.
Product: Credit card or prepaid card

I called my credit card company ( Citibank/XX/XX/XXXXXX/XX/XXXXAAdvantage Executive Master Card ) to ask for a deferment due to the Corona Virus Emergency. I explained that I am an XXXX  XXXX  and that I needed help/assistance over the next 60-90 days reading payments. I escalated the call to two different managers and was told both times that their company had no  programs in place to assist me and my only option would be to close the account.
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/XXXX notice on my accounts on my credit report are complete and accurate which is a violation of 15 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681u ( 5 ) ( A ) ( i ) & ( ii ). At this point, I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reported agency prepared a consumer report, she 
follow reasonable procedure to assume maximum possible accuracy of the information concerning the individual whom this report relates. They must be blind, because everything is inconsistent.
Product: Mortgage

On XX/XX/2023 I sent a RFI Letter to Loan Care and one to XXXX XXXX as of XX/XX/XXXX I have gotten no response I do believe that these servicing companies are predators who make their money by setting up people to loose their homes banks should not be allowed to sell your mortgage to these companies
Product: Money transfer, virtual currency, or money service

I sent XXXX dollars to a friend of mine as I do sometimes. He lost his phone and therefore can not access his Cash app account because they are tied to a phone number. I contacted customer service and informed them of the entire problem and was repeatedly the following : " Cash app is unable to cancel or refund completed payments. If you would like to recover your funds, please have recipient reach out to us via their app. '' I did everything they ask and they took great pride in informing me that nothing can be done. I want my money refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 was contacted by Navient because my loans were out of wack. 

I have 3 loans, the lady continually said all 3 loans are covered and for XXXX a month we will take out two separate charges and all 3 loans will be in good standing ...

Fast forward 6 months and they say 1 loan has not be attended too and Im 3-4 months behind.. I asked about what I was previously told and was acted like I was a lair..

Finally a supervisor said she would review the call and get back to me a week later ... .no one ever called me back so I called and it was the same XXXX ... 

They reported to me credit and are claiming my loan will be in default when I have been lied too the entire time. 


They have constantly messed up my loans, changed the rates on them, and generally rude and abusive with their tactics ... its truly unfair and not right!
Product: Debt collection

-Received a collection notice dated XX/XX/XXXX regarding collecting a debt from XXXX XXXX XXXX for XXXX from XXXX XXXX XXXX - Wrote back on XX/XX/XXXX indicating that this was not my debt, I have no knowledge of this and if they feel it is proper, send nature of debt, original paperwork or other documentation. 
- Never received any further correspondence. 
-On a routine check of my credit report at the beginning of XX/XX/XXXX, noticed XXXX XXXX effort showed up on the credit report. 
-Called immediately, talked to XXXX . He took my name, phone number and email and told me XXXX XXXX would be contacting me. 
-After one week and nothing from XXXX , I called back and talked to XXXX again. I asked him to connect me to XXXX, he said she was busy. He gave me XXXX 's email address as well as a general email address and suggested that I email her and register the dispute on the general email address. I sent 2 emails disputing the debt and suggested this was most like identify theft and asked that she acknowledge the dispute. 5 weeks later, I have not gotten a return email. 
- I recently received another collection attempt from XXXX offering to settle the matter for a 25 % discount and threatening further collection action. I did receive with this collection notice a description of debt as well as some personal information on myself that is readily available on the internet such as address, phone number. It also had partial information on a bank account that I do not own and an email address that is not mine. It does not appear that this lender, XXXX XXXX XXXX asked for any form of identification or original signature when this debt was initiated. 
-I send another letter disputing the debt and asked if they could provide any information that this debt was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent my dispute letter to Trans union, XXXX and XXXX on XX/XX/2021. I have not heard back about my dispute with the inquires. I did call the all 3 bureaus and sent the letters asking that the inquires be removed from my profile because I did not approve them. I am not able to get the issue fixed. I have waited over a month for a response.
Product: Consumer Loan

I have an auto loan with TD Auto Finance that was taken out in XXXX XXXX. My payments began in XXXX XXXX. I am enrolled in the auto-pay feature on the TD Auto Finance Website. Since the loan was originated and payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX I have not received a single account statement via mail or able to access statements online when I login. I called into TD Auto Finance on XXXX XXXX, XXXX and was told that since I am enrolled in " auto-pay '' they do not send statements nor are statements accessible online. This is absurd. As an account holder and payor I should be able to access my account statements at any time. They said if I wanted statements I would have to call in every time to request them. Why should the benefit of receiving or accessing an account statement be removed if a payor is enrolled in auto-pay? The auto-pay is a benefit to the creditor as they are more likely to get payment on time. As a consumer I feel like my account data is being kept from me in hopes that I will miss a payment so that additional loan fees, interest and penalties can be assessed.
Product: Checking or savings account

I have been a long time customer with Bank of America for 15 years and had a premium checking account with free interest checking with account balance of {$5000.00} and free safety deposit box, waiver of certain fees for services such as certified checks, etc. However, about a year or ago BoA changed the terms of the Checking and Money Market Accounts and reduced overall services but increased the fees such as charging {$75.00} per yr for the safety deposit box. So I changed the checking account to one that required a lower balance for free checking of {$1500.00} and thought that the Money Market account was closed and the funds moved to the Checking Account. However, in XX/XX/2018 I noticed that instead of closing the Money Market Account BoA opened a savings account so I transferred all of the funds to my checking account and closed the account. However, the account started to accrue a $ XXXX  monthly fee. I noticed a few days ago that there was a - {$15.00} balance on the savings account. I called on XX/XX/XXXX and ( XXXX? ) worked to resolve the issue for 15 minutes when she could only waive a {$5.00} fee I asked to speak to a supervisor. 
The supervisor Mr XXXX put me on hold but hung up. He called me back and had me on the phone for another 30 minutes. I asked that they close the account and waive the fees. They waived another month of fees. However, they could not waive one of the fees so they would not close the account and are leaving it with a {$4.00} balance. 
I am a federal employee and went through 5 weeks with reduced pay so this additional hardship by an organization is unacceptable. I will go into the local BofA branch tomorrow - I will ask them if they can resolve the issue. This is an extreme hassle and I am extremely frustrated. BofA behavior is unacceptable and I can no longer bank with them so while I visit them tomorrow I will close my checking account and take my business elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has consistently made errors for the last several years with sending me erroneous statements, charging me invalid late fees and allowing my payments to sit in their processing department for over two weeks causing interest to continue to accrue on my loan and late payments that I should have never been responsible for. I have spoken to XXXX more than 60 times of which I have documented in the event that I proceed with next step and take legal action against this financial institution. Recently, XXXX engaged a subservicer by the name of XXXX. During this transition, they held onto XXXX consecutive payments that I made and did not timely process my flex modification with XXXX. Instead, they dropped the ball, discontinued answering borrower phone calls and completely ceased all communication and engagement with regard to the loans that they service. I had to call XXXX a total of XXXX times and then yet and still, escalate the situation to XXXX directly. Once XXXX became engaged, XXXX took action to track down my mod agreement and payments that were sitting in a suspense account with XXXX. Further, XXXX neglected to pay my taxes in 2021 causing multiple penalties in excess of $ XXXX which could have resulted in a tax sale. To top off the entire situation, XXXX is wrongfully reporting to my XXXX 's that a ) I have XXXX mortgages with the same balance and further, that I was late by three months causing my credit score to be substantially and negatively impacted. I completed a XXXX  plan in accordance with the Cares Act issued by Congress and the President of the United States and under such protection, I should have zero negative impacts to my credit report. XXXX held onto the funds that I sent them every single month during the time of the XXXX and did not timely process the modification, despite having the funds in house. This matter needs to be corrected immediately. Unfortunately, do to their dysfunctional business processes and lack of accountability and integrity to their borrowers, there is no one to speak with or email who will respond at XXXX. XXXX simply advises that they are not responsible. If this matter is not corrected within the next week, I will be taking legal action against XXXX via my Attorney. I will also send a duplicate copy of this complaint to the AG 's office and the FTC. I have had it with XXXX XXXX XXXX XXXX and the negative impacts and unduly burdensome level of stress they have caused to my life despite me going above and beyond to try and do the right thing.
Product: Debt collection

My vehicle was stolen at the end of XX/XX/2022, as a result of this it was abandoned and totaled. Ive gotten a police report for auto theft, I had full coverage insurance plus XXXX insurance. Ive notified the lender ( Carmax Auto Finance ) no one helped me and my claims were denied leaving me with debt I can not afford as well as no transportation. XXXX insurance did an appraisal via email/pictures. No one physically came out to inspect my vehicle. Ive gotten a separate appraisal stating it was total as well as XXXX separate repair shops stating my car was totaled. My insurance company did want to accommodate me and Carmax told me it wasnt totaled without seeing my vehicle as well
Product: Debt collection

On XXXX XXXX, 2020, I paid an outstanding XXXX  debt from XXXX XXXX   Group of XXXX to XXXX  XXXX  XXXX. The amount of the outstanding debt was {$50.00}. I have attached proof of payment from XXXX XXXX  XXXX  indicating that I have satisfied the debt in full. 

From the documents that I have attached, you will see that the original collection from XXXX XXXX XXXX was reflected on my XXXX   credit report as of XXXX XXXX, 2020. Once I satisfied the debt, it was subsequently removed from my credit report, as shown on my credit report pulled on XXXX XXXX, 2020. On XXXX XXXX,2020, another collection for the same XXXX  debt from XXXXXXXX XXXX XXXX in the amount of {$50.00} was reported to XXXX  by Paramount Recovery Systems. 

I immediately contacted Paramount Recovery Systems to inform them that this debt was already satisfied through another collection agency. Paramount asked me to send them proof of payment. Paramount indicated that once proof of payment was received, the debt would be considered satisfied and removed from my credit report. They also informed me that they received this debt in XX/XX/2020 from XXXX XXXX XXXX. I have attached documentation showing where I faxed proof of payment to Paramount Recovery on XXXX XXXX, 2020. 

Now, Paramount Recovery Systems is telling me that they can not remove the collection account until XXXX XXXX XXXX instructs them to do so. I've reached out to XXXX XXXX XXXX, who told me they have not received anything from Paramount Recovery and that I need to follow back up with Paramount to get this situation resolved. At this point, I am getting no clear answers from either XXXX or Paramount. Every time I call Paramount and ask to speak to a supervisor, I am told that I have to leave a voicemail and that someone will call me back in 24 hours. I've left at least three voicemails and I've never gotten a return phone call. I'm simply trying to have a debt removed that I do not owe. 

All documentation is attached. Also, I would like to make it clear that I have never received any phone calls, letters or correspondence of any kind from Paramount Recovery Systems relative to this debt. All of the correspondence that I've previously received was from XXXX XXXX XXXX. The first I ever heard of Paramount was when I received a notification from XXXX  that this account had been added to my credit report.
Product: Checking or savings account

My bank account was hacked. The bank closed my account and held my funds. There were transactions on my account by unknown sources. I went to the bank several times, talked to several bank personnel on the phone and in person to ask them about the activity on my account and access to my funds held. The first time they implied that I did fraudulent transactions. When they closed my account, I was told that my account was under investigation and my funds were held and it could be up to 3 months before their investigation was completed. I started receiving bank notices in the mail of disputed transactions and returned check deposited ( not any transactions I made ) so returned to the bank for further information on what was going on. There are several withdrawal with XXXX XXXX that are not withdrawal from me. I do not have a XXXX XXXX account. I suddenly got a check from the bank for a settlement on my account but does not cover the direct deposits from my employer.
Product: Debt collection

I have been and still making payments on my account. Every month. 
The company is not reporting my payments to the creditors. 
I have to call or write to the creditors myself to update the account and I requested that the company I deal with to send me a statement. Regarding my account with the full balance it is not on the statement. and now my account is in collections.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated to see an unauthorized inquiry on my credit report this morning, and I have no idea why its there. I checked as I normally do, but this time I found unexpected discrepancies. Refreshing my browser didnt help, and the issue remains. I urgently need the documents I submitted to be carefully reviewed so I can stop worrying about this.