23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX   XXXX  does not have a contract with me for any services, This company has violat ed HIPAA by obtaining my medical information and has not sent any documents used to verify t his account to me. I have disputed this account and i have no knowledge of this account or any account with  XXXX   XXXX . I have never conducted business with  XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America fraud settlement I was one of the fraud victims
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX  XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Debt collection

I am in the process of rebuilding my credit and recently pulled my credit reports from XXXX, XXXX, and XXXX and noticed a debt that I believe that I do not owe. The company attempting to collect the debt is National Credit Systems. I do not believe that I owe this company or the original creditor which is XXXX XXXX. Apparently this is a joint account which I was " allegedly '' a co-signer. On XXXX.19 I sent National Credit Systems a debt validation letter requesting " validation '' as opposed to " verification. '' I have attached the response that was sent to me on XXXX.19. It is my opinion that what they sent me was not " validation ''. The company failed to provide me with a copy of the contract between me and the original creditor ( with a wet signature ). All they sent me was a statement from the original creditor, and a lease agreement that does not bear my signature.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization.

The family educational rights and privacy act protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Debt collection

I was reached out to on XX/XX/XXXX by a " locating company '' or something of that nature. A woman told me to call a number XXXX of a company called XXXX XXXX. A woman Named XXXX answered the phone and told me that they have a debt owed to them for a Bank Of America account they purchased back in XX/XX/XXXX. She told me that the amount owed was {$1600.00}. When I asked her questions she was very aggressive towards me and told me that they would pursue me in a manner that would cost me a much grater sum if I didn't start paying immediately. Because I was skeptical with her and voiced that she was using what seemed like manipulative tactics she was quick to say that she was going to put it down that I was denying or rejecting to pay and hung up on me. I don't see anything like this on my credit and with all the Identity theft going around and her extremely unprofessional nature in addition to her extreme sense of urgency to take a payment I was skeptical to say the least. I called her back immediately after she hung up to try and get more info. She told me an account number that was with BOFA of XXXX that was an old overdrawn checking account. She told me I could call them. I asked her what the original amount owed was and she said it was {$300.00} and something dollars. She told me that they had reached out and mailed me stuff to a location I lived at over 10 years ago at XXXX XXXX in XXXX XXXX. She told me to avoid legal action I could settle the debt on the date we spoke for {$400.00} down and pay the other {$490.00} by XX/XX/XXXX. I told her I needed to call Bank Of America to verify that the debt was mine because I was unaware of it. I called them and they were closed for the holiday. I called her back and she said I have till today to make my {$400.00} dollar payment to avoid legal action. After this call I starting doing research on the number called and read a number of stories just like mine about extremely old accounts and aggressive tactics to resolve accounts. She read off the last 4 of my social to me and gave me their address of XXXX XXXX XXXX, XXXX, CA, XXXX to establish credibility. She emailed me a " Debt Verification '' letter that didn't show any kind of interest or the original amount owed. There was a debt balance of {$1600.00} and also {$2600.00} in the body of the letter. It didn't say anything about my ability to dispute it which I'm told is required by law and it doesn't show their license number which I guess is also required.
Product: Mortgage

COVID-19 ( temporary lack of income ) crisis problem!! - I called Bank of America twice since XX/XX/XXXX, about payment options moving forward the COVID crisis, I had read about payment help and I requested a 90 day " DEFERMENT '' but I was told BOA is only offering a " forbearance '' for my " type of Fannie Mae mortgage but that BOA can " defer '' their own mortgages? Say what? I am sorry with the crisis going on to be told that by major bank IS totally wrong and it is ABSURD and lopsided! Why are all others, plus Fannie Mae mortgages not also included to have a deferment option? People like myself will not be able to later on pay a " balloon payment '' of the 3 last months, the banks are expecting " forbearances '' to be paid back in full at the end of the 90 days period, and paying for the mortgage during the crisis with no income IS the SOLE reason WHY many are requesting a " deferment '' in the first place. There needs be a DEFERMENT offered to ALL types of mortgages and no matter who owns these loans. We would with logic expect the 90 day amount just be added onto the balance and tacked onto end of the loan, adding 90 days, which makes it a DEFERRED loan. Bank of America told me 2 stories differing from week to week and no one would state verbally they would not ask borrowers from having to make the balloon payment ( of past 90 days ) after forbearance ended.. No one would say it, when I directly asked it. I was told maybe, they are not sure. Who can operate under that kind of information which is adding even more financial stress to an already bad situation?! Bank of America will not and has not made any promises that after 90 days they would not expect the balloon payment AND that a " deferment '' that should be offered to all customers at least for for 90 days will not be given unless your mortgage is a BOA owned loan? People like myself are not to be taking gambles here just to find out down the road that the banks did not truly " help '' customers financially in this sad time in the USA.
Product: Checking or savings account

This complaint is another manifestation of complaints made already XXXX, XXXX, XXXX. 

My account was overdrawn by Bank of America credit card department and they said they would refund the {$940.00} to my checking account. My account balance was negative $ XXXX. 

Today ( XX/XX/2020 ) I deposited a cheque I received from XXXX for {$3500.00}. 
Immediately I got a call from Bank of America saying they are closing my account for business reasons. 

They were asking about another number I have XXXX XXXX XXXX which is a virtual number and I use it only while traveling outside of the country to receive text messages / calls if needed. 

Their system seems to recognize that as the only number to call. 

My primary mobile number is XXXX XXXX XXXX. I tried enabling fraud alerts on that number as I noticed that it is disabled. The website would not allow me to modify the number. 

Since they are closing the account they say the money I deposited will not be available for 7 to 10 days. This is completely unfair. 

Moreover, I have made numerous cashiers cheques using that account. I am attaching the details. Bank of America must return any money that was not en-cashed by the cashiers cheque holders back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number. XXXX. Date opened. XX/XX/XXXX XXXX XXXX XXXXT Account number. XXXX. Date opened. XXXX XXXX, XXXX XXXX Account number. XXXX. Date opened. XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I have called multiple times with no help I provided a Police report from the county I live in as well as supporting documents and a FTC Report. I was told by phone by 3 fraud experts that the fraudulent accounts would be blocked and removed due to them being opened fraudulently they just needed the documents which i did uploaded. I spoke to another fraud expert on XX/XX/year> who told me she wasn't going to block the 3 accounts that were opened fraudulently that are damaging my credit. I provided police reports as 2 addresses were listed which were not mine but they removed XXXX address an left the fraud address on my account. By Law -15 U.S. Code 1681c2 - Block of information resulting from identity theft Experian Has Failed to Correct XXXX  XXXX XXXX, XXXX Credit Card as well as XXXX  XXXX  credit card and remove an address that is not associated with me. I have secured Legal Representation due to the unforeseen circumstances and false information given by employees of Experian multiple times. I am Requesting these fraudulent accounts be removed as i have produced a police report from the police station and a, FTC report
Product: Mortgage

I was preapproved for a mortgage loan with PennyMac. Initial terms granted me FHA loan 3.5 % deposit for up to $ XXXX financed. When I found my dream home and signed contract, PennyMac changed the terms on my loan twice due to errors they stated in their preapproval process and to accommodate my student loans that were placed in forbearance because of covid-19. I was told that my loan needed to be a conventional loan with a 5 % downpayment. Then, halfway through the process ( 30  days to close ) and after an earnest money deposit was paid, inspection costs, appraisal costs, moving expenses, etc, I was told that my loan terms needed to be modified again. This time to a 20 % down payment and paying off my auto loan. Ten days prior to closing, my loan officer stopped responding to my calls and voicemails. Whereas before I was able to reach him on his direct line and he would respond to my email within 24 hours, I have yet to speak with him again and today is the day before closing. Nine days before closing a voicemail was left stating my rate lock was expiring same day and I would need to pay an additional fee or start the loan process all over again. I contacted my realtor and she was able to get my rate lock extended without additional fees. I called and emailed my loan officer everyday for ten days prior to my closing date on XX/XX/2020. This is my second mortgage loan with PennyMac and the complete neglect and lack of professionalism and attention I received throughout this second mortgage process was negligent. I was supposed to close on my mortgage at XXXX on XX/XX/2020 and was told they needed to work on my loan the day before. An extension was granted until XX/XX/2020. On XX/XX/2020, I received a call from XXXX XXXX, a processing supervisor, stating that they ran my account several times and were unable to get me approved in the automatic underwriting system. They could not explain why or how I was previously approved and suddenly not. 

I am displaced. I have no home. I sold my home in VA and moved to GA the week of XX/XX/2020 to move into my new home. 

DO not use PennyMac to finance a loan for your home. I have a daughter who has been uprooted and displaced with me.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because I believe the credit reporting agenciesXXXX, XXXX, and TransUnionhave continued to report and share student loan information that was part of a FERPA-protected record which was breached or mishandled without my knowledge or consent. This constitutes a violation of my federal privacy rights under the Family Educational Rights and Privacy Act ( 20 U.S.C. 1232g ). The ongoing publication of this compromised information on my credit report has caused serious harm to my financial and emotional well-being. I am requesting that the credit bureaus immediately investigate the source and handling of this data, remove any records tied to the violation, and provide documentation confirming that my protected information is no longer being reported or shared unlawfully.
Product: Credit card or prepaid card

This is my complaint on XXXX/XXXX/XXXX I made a debit card purchase of XXXX with a XXXX and the transaction was denied, and I received a notice from Bank of America to login to my Bank of America Phone App, and verify I was aware of these purchases, I logged into app and followed all the steps for lifting the restriction, and received a message from the App, the restriction was removed and that transaction had been cancel, and now I could make the transaction again ; Assuming I was free to resume using my my card, I made a 2nd transaction for the same amount of XXXX and then noticed, I now had email from Bank of America prompting me to contact them, to review the transactions, i contacted the number in the email and was advised once again after verfying, I made the transactions I could reuse my card with no mention and any wait times, I asked the rep if the second transaction would be okay, he assured me all restrictions had been lifted from my card and the payment transactions showed as processing, along with a debit of XXXX and a credit of XXXX all on XXXX/XXXX/XXXX ; today on XXXX/XXXX/XXXX when i logged into my account I noticed the transaction did not post. The explanations I received from various reps was typical jargon of policies and very poor customer service, and the transaction was cancelled because it was seen as duplicate transaction and finally when I spoke with the Fraud team it was explained that you have to wait 20 minutes before making another card transaction. My complaint is this was n't explained in Bank 's App and nor did the customer service representative provide this info as well, the 2nd transaction should not have been cancelled and I should not have to contact Merchants and explained to them Bank of America errors, I 've attached an screenshot of some of the alerts I received.
Product: Vehicle loan or lease

As of XX/XX/XXXX I had a past due balance of {$1200.00}. On XX/XX/XXXX, I contacted Hyundai Motor Finance to make a payment of {$630.00} XXXX plus processing ). While I was on the phone with Hyundai, a 3rd party provider working with the company proceeded to take possession of the vehicle. At that time I was still on the phone with Hyundai, and when I told the agent that I was no longer in possession I was told that they would no longer be able to take a payment through my past due balance and that I would have to contact their collections department. At that point I ended the call with Hyundai Motor Finance. On XX/XX/XXXX I contacted the collection department to reinstate my loan, at that time I was told that I had past due amount of {$1200.00} and that I would need to pay that amount plus repossession & processing fees before I could reinstate my loan and regain control of my vehicle. I proceed to set up two payment from two different accounts to pay the total amount due given to me of {$1200.00}. And at that point I was told that my loan was reinstated and that I would be able to pick up my vehicle from the lot. After that call I found out that the original payments of {$630.00} that I had called to schedule on XX/XX/XXXX had already been taken from my account and that as of XX/XX/XXXX my actual amount due was {$600.00} plus the cost of repossession instead of the {$1200.00} stated by the collections agent, in violation of the Fair Credit Practices Act. At that point I contacted Hyundai Motor Finance and was told that they would not be able to refund my payment as it was done with a debit card. I was then told to contact my bank to reverse the transaction with them instead. I proceeded to contact my bank who told me that they could not reverse the transaction until it had cleared with the bank, and that I should be speaking with Hyundai Motor Finance as this was an error on their part. I proceeded to call Hyundai back, and when I asked to speak with a manger to work to refund my payment I was told they were in training and could not speak with me. At that point the agent said there was not much more they could do and requested that I ended the call unless I had further questions. Due to the over payment to Hyundai Motor Finance my checking account balance as of XX/XX/XXXX was around {$19.00}. Due to this overcharge I am unable to report to work as of Thursday XXXX as I no longer have access to the funds required to cover the cost to get to work and I am forced to take a day off at a cost of {$350.00}. I will likely need to take the same on Friday with the same cost. If I am unable to have these funds refunded to me by Monday I will not have any more personal days available to be used with my employer and risk termination.
Product: Mortgage

PNC Bank purchased my XXXX effective of XX/XX/2023. They took over the loan and blocked payments to the previous servicer XXXX XXXX XXXX, but then blocked registration to their online accounts for new customers like myself whose mortgages they had purchased. I was told that I would have access on XXXX and was told that this would be fine because it was within their grace period by a couple days, but when I tried registering I was still locked out and they were not willing to help me, instead directing me to do diagnostic testing for their website across multiple browsers in order to figure out their error. Since I have an XXXX XXXX XXXX XXXX I don't have hours of free time to provide free technical support to a major bank, so I was unable to register online and was forced to go into a branch to pay my account. Today I tried registering again and was unable to and still can't pay my account online.
Product: Debt collection

Rash and Curtis a collection agency is charging me {$68.00} for a {$210.00} medical debt that I am almost sure that I have paid it already. This was a medical bill for services provided by XXXX XXXX XXXX XXXX, on XX/XX/2020 at that time I had Medicare and Medical so I would like to know what kind of services did I received. 
Also, I believed the amount that Rash and Curtis is charging is excessive is more than 30 % of the debt, besides is a medical bill and is unfair that they are charging me that kind of interest, that is usury.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I took out a loan for {$9400.00}. The interest rate was around 60 % and my payments were {$250.00} bi-weekly. In XX/XX/XXXX I did a payment deferral due to covid and they said they added it to the end of my loan. Since that time, ALL of my payments have been going toward interest-only ... my balance has not changed. I did get behind at times due to covid and set up a workout plan late in XXXX to get caught up and actually paid ahead of schedule for the workout. They were showing on the website I was current and no payments were due until XX/XX/XXXX ( 2 months after I paid the last payment for workout ). I called more than once saying I know I should being making payments but each time, the rep said they could not figure it out and recommended I make a payment of {$200.00}. Overall, I know I got behind and my original amortization would be extended, but how can you tell me I am current yet all payments are going to interest only? In XXXX I made total payments of {$4500.00}. In XXXX I made total payments of {$3700.00}. So far in XXXX I have paid {$300.00}. And today... 2 years later my principal balance is {$9300.00} ( {$110.00} less than original loan amount 2 years ago ) and my payoff today is {$13000.00}? In two years I have paid {$8600.00} and my current payoff is over {$3500.00} MORE than my original balance? 

I understand the interest rate is high, but at NO TIME during our conversations did anyone tell me that if I did a payment deferral, I would only be paying past due interest on my loan going forward unless I made up the payments. This can not be legal... so much deception. It's like they hoped I would get past due so they could " help '' me. I never checked my loan history because they made me think everything was fine and in order. I started using the website recently and that is when I noticed.