23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank of America has denied my claim after 7 days. This is my second claim with the same company. First fraud claim was approved in my favor. Second fraud claim was denied. I provided as much information as I could for this. I sent in all the emails and phone calls to protect my claim. XXXX, the company that charged my card, has not responded to anything from my side. 

XX/XX/XXXX : Opened fraud claim for {$6500.00}. This is the second claim with XXXX to dispute non-authorized transactions. Was told it could take up to 10 business days for temporary credit. 45-90 days for full resolution. 

XX/XX/XXXX : Called in multiple times to have this escalated due to the severity. It was escalated from the claims team. Was told Back office team is researching and they have 1-3 Business days to respond to escalation. Explained the severity and that I was due for XXXX on XX/XX/XXXX so I needed assistance quickly. 

XX/XX/XXXX : Called in to get an update. I submitted documents proving my case. I reached out to the company at fault,10 times via email and 2 times via phone with no response. Was told back office team is still working on it and researching. No update from claims team. Was told they can not call, email or message the back office team and that I would have to wait. Expressed my concern and the severity of this. 

XX/XX/XXXX : Called in to get update. No credit and no new information was provided. Bank of America told me there was nothing they could do other than I had to wait for back office team. Was told Id be receiving credit before end of day. 

XX/XX/XXXX : Called in to get update. No credit came. Expressed my concern again. Was told that the back office team had until end of business day XX/XX/XXXX to have a resolution. 

XX/XX/XXXX : Got alert that claim was done and closed. No resolution in my favor. No update on why. Claim was reopened and re-escalated. Spoke to supervisor who requested another escalation for hardship. 

It is VERY concerning that Bank of America does not have access to information regarding claims only through the research team and that is through notations on the claim. They do not have access to email, call or message the back office research team. Bank of America can not provide any information on claims because of this. It is all left to the research team that no one in Bank of America can contact. Bank of America does not handle claims internally. I was given a whole heap of misinformation from different claims specialists. Bank of America did not do a chargeback or really try to resolve this claim.
Product: Debt collection

To date, our office has received XXXX dunning letters from Brennan & Clark claiming we owe {$2500.00} in over payments by XXXX XXXX XXXX for patient care rendered more than XXXX years ago. Brennan & Clark claim that the return of these monies is past due and must be paid immediately. When my receptionist called this firm to request any details that would substantiate these transactions, she was told that they had no intention of producing more information or spending more time talking to us. Our medical billing person called XXXX to check the details and was told that our account was currently in balance and that nothing was owed. We checked with the XXXX XXXX XXXX and found dozens of complaints regarding similar dunning notices from Brennan & Clark, many complaints specifically citing XXXX XXXX XXXX. Several of the respondents expressed their view that this firm was fraudulently claiming monies due, without providing documentation of the source of such claims. Note that although the XXXX letters were authored by XXXX different people, the signatures are written in the same handwriting. 

Given that neither we nor XXXX XXXX XXXX have any record of overpayments to our practice, we must decry Brennan & Clarks strong dunning attempts to obtain this amount. 

These claims appear to be fraudulent. Therefore, we respectfully request an investigation into this firms business practices. If any documents can be produced that prove we owe money to XXXX XXXX XXXX, we will certainly clear our account. However, given the large number of other businesses and medical practices that are reporting similar attempts to obtain payments without any documentation that shows such claims are legitimate, we ask that such dunning efforts cease, and that Brennan & Clark be made to revise their business practices.
Product: Mortgage

I applied for a mortgage on XX/XX/2021 with Cardinal Financial ( also known as XXXX  XXXX  ) based on rate information published on XXXX and XXXX. Both websites listed XXXX as among the lowest rates and lowest fees available for the product I was considering ( 15 year convential mortgage refinance ). I called them and spoke to a mortgage person and explicity told them that I was calling because of what I saw on XXXX and XXXX. The person collected all of my information and pulled my credit. My qualifications ( income, credit history, work history, current equity level in my home ) were all outstanding and the mortgage person remarked every step of the way how favorable to my application each of these things were. He said he had to run the numbers for me and would call back later in the afternoon. To be clear, I applied for a mortgage expecting something along the lines of 2.125 % APR with total costs of {$1.00} ( what I saw on XXXX ). The mortgage person came back with 2.5 % APR with total costs of around {$2000.00}. When I expressed my dismay about the disconnect between what he was offering and the rates that I had seen online, his response was that he didn't have any control over what is published on sites like XXXX. While he may not be personally providing rates to XXXX and XXXX, I doubt that they are pulling them out of the air with no input from Cardinal Financial. Looking at both XXXX and XXXX today ( a day later ), the rates have changed slightly, but XXXX is once again at or near the top of the list. It certainly feels like a bait and switch set up, where Cardinal Financial is providing rate and fee combinations to these websites where no one will qualify ( even if their credentials are impeccable ). Lots of people rely on XXXX and XXXX for pricing information and Cardinal Financial knows this and has figured out a way to appear to offer the best pricing without actually following through on it. That is deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX continues to violate FCRA 605C I, XXXX XXXX the natural person Original Creditor, authorized representative for the natural person, am the Federally Protected Consumer, Principal and Authorized Representative for all accounts created by his autograph. The purpose of this correspondence is two-fold 1. Asking the Bureau / CFPB why it would allow the CRA Equifax to willfully knowingly violate a consumers rights. 
2. Questioning the Bureau / CFPBs methods, as to why it would allow the CRA Equifax to disregard XXXX XXXX Consumer enforcement action and demand for compensation. 
3. Proving to the Attorney General, FTC and the CFPB that Equifax did in fact violate the Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) and the TILA and FCRA QUESTION : Is it true that the amendments to REGULATION V are now law? 
QUESTION : Is it a fact that Equifax ( the CRA ) is knowledgeable/aware of the amendments to Regulation V, the subject of which is to implement the Fair Credit Reporting Act ( FCRA ), addresses recent legislation that assists consumers who are victims of trafficking. 
QUESTION : Is it a fact that the LAW, 15 USC 1681b ( a ) ( 2 ) outlines the specific PERMISSIBLE PURPOSES that a CRA may furnish a consumer report?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I received an e-mail from my XXXX XXXX account as well as XXXX XXXX stating that there is a new inquiry on my account for a XXXX business account. I have never applied for a business account with my credit card provider and have since been told that they were looking into it. I 'd like for the inquiry to be removed and a further investigation to be conducted. 

With Gratitude, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with XXXX reporting a charge card to my XXXX credit saying I am behind on an amount. I did previously have XXXX and as I stated to them they can see I paid everything on time. However, my phone was stolen and the person accessed many of my accounts including XXXX  and charged almost {$4000.00} dollars to my account! I had to contact my bank and close my accounts, I reached out to XXXX and explained the situation to them. They insisted there was nothing they could do but to reach out to the companys. Even with a police report they refused to help me with the account and the companys refused and sent me to XXXX. Ive reached out numerous times with no help. To the point theyve ignored my attempts. I disputed with equifax and XXXX and the accounts were removed. However XXXX refuses to remove it. Even with all the information Ive provided. Its ridiculous I had fraud happen and yet being penalized because of their negligence.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX Account # : XXXX XXXX Account # : - XXXX XXXX XXXX - Account # : XXXX XXXX Account # : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX XXXX - Account # : XXXX XXXX INQUIRIES : XXXX - XX/XX/year> Equifax XXXX - XX/XX/year> Equifax XXXX - XX/XX/year> Equifax XXXX - XX/XX/year> Equifax XXXX - XX/XX/year> Equifax XXXX - XX/XX/year> Equifax XXXX - XX/XX/year> Equifax XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto Dealers, Used XX/XX/scrub>XXXX XXXX XXXX XXXX Auto Financing XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  Miscellaneous Finance XX/XX/year> XXXX XXXX XXXX Auto Dealers, New XX/XX/year>XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 if the person knows or has reasonable cause to believe that the information is in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
Product: Credit card or prepaid card

well i did email discover to make a payment deal they never replied to me..i had a death in the family ( stepmom ) and my dad is ill now and XXXX so he ca n't help with his account ... what happen it i am staying in nc and found a job just so i can clear up some cc 's well i had money to pay my discover bill ( it 's a secured card ) and i went to pay some of it before time ... it is due on the XXXX and the only way to pay is checking or savings ..i explained to them a while ago i had to close them to give money to help my XXXX year old dad so now that i have the money they are telling my the only option is checking or savings ... i did remind them in the past i could n't because my checking account went bad and now XXXX in involved and stopping me from getting a account so i can give the info to discover..they keep saying sorry this is the only way..i used to think highly of discover ... even the smaller cc company 's i have have options to pay the bill ... i am stuck here so i wrote them and said wow i am trying to pay my bill and you have no options..i am toast now and when the XXXX goes by i am even going to have to pay more..so i guess i can just give up and file with yous ... i have no choice it 's only me and my dad and he ai n't going to help i had to clear out all my accounts to help him..discover do n't want to hear this and wo n't accept my money ... i give up ... i do n't know what to do so ... i wrote yous ... owell i will just let all my credit i fought for 2 years from today and from the start ..i never even had or cared about credit so i was iffy in the start and now owell i guess i will just block everything and be in dept for the rest of my life and just use cash ... i want to pay them off and they have my deposit and wo n't budge to help in any way just get me deeper..so i guess i will just keep ignoring it and pay off the others..if i would of known this was only 1 option from a well known cc i would of said no ty ..now that i know ... discover is the worst cc in the world..the smaller cc have better options..what a joke..owell i tried ... see ya ... i give up on all of it it ; s all way to much ...
XXXX
Product: Mortgage

Nationstar Mortgage d/b/a Mr. Cooper alleges to have acquired servicing/ownership rights to an alleged loan that was RESCINDED in writing XX/XX/2006 at XXXX XXXX ( see attached confirmation sheet ) from SETERUS INC.

SETERUS INC WAS finally made to surrender their license by both Federal and State regulators, but not before they passed their heavily flawd and fraudulent servicing platform on to Nationstar Mortgage d/b/a Mr. Cooper. 
XXXX XXXX was notified of the RESCISSION that took place in 2006 and was provided a copy via CERTIFIED mail. NATIONSTAR MORTGAGE d/b/a Mr. Cooper was also notified of the rescission. 
I have had more than {$200000.00} cash dollars extorted from me by XXXX before and the alleged loan was identified as a part of the national mortgage settlement agreement. ( see attached ). 
My home has no unpaid mortgage on it. SETERUS HAD NO ENFORCEABLE CONTRACT TO DEMAND MONEY NOR DOES NATIONSTAR MORTGAGE d/b/a Mr. Cooper. 
NATIONSTAR MORTGAGE d/b/a Mr. Cooper IS WILLFULLY with full knowledge filing fraudulent documents into the XXXX County Ga land records ( See attached ) IN VIOLATION OF GEORGIA 'S The Georgia Residential Mortgage Fraud Act ( O.C.G.A. 16-8-100 et seq. ) Under the Georgia law, a person commits the offense of residential mortgage fraud when, with the intent to defraud, the person : Files or causes to be filed with the official registrar of deeds of any county of Georgia any document the person knows to contain a deliberate misstatement, misrepresentation, or omission ... 
Nationstar Mortgage d/b/a Mr. Cooper is demanding I submit payments to them using a loan/account number that has no legal contract tied to it. Nationstar Mortgage d/b/a Mr. Cooper has assigned a void contract in my county land records to itself on behalf of XXXX XXXX. XXXX XXXX disavowed that fraudulent claim by SETERUS INC and XXXX XXXX confirmed and clarified its previously provided history with the former XXXX transaction in writing, making the assignment of NAtionstar a total fraud.
Product: Money transfer, virtual currency, or money service

Ive had money stolen from cash app Ive had people able to get in my cash app and wipe all my money away with no help XXXX time cash app took my whole cash app said someone called and had it to be closed and XXXX day I got into it the one they closed and all my money was gone they didnt give it back nor helped me cash app has always took from me and now today I cant even get a account and I dont know why ppl have done frud
Product: Student loan

I have been comparing different private student loan options to help finance the rest of my XXXX ( XXXX ) program. The online advertising shows a fixed-rate APR range starting at 5.99 % for interest only in-school payments and 6.59 % for $ XXXX/mo fixed in-school payment and deferred payment. The website clearly states : " Private student loans are credit based. '' which is completely understandable. I have a 780+ credit score ( verified throughout the years as I have applied for various credit from credit cards to mortgages ). When applying for loans, I always get the lowest rate because I have excellent credit with no blemishes and a long history. 

When I applied today ( XX/XX/2018 ), one of the questions they asked was if I am full time or part time. I am a full time student. Then they asked my income and assets ( non-retirement and retirement ). Although I was confused why they needed this since I am full-time in school and not working, I gave them my income for the year ( my internship over the summer ) and my assets ( more than enough to cover the loan if I had to make withdrawals from my retirement ). Once they had my information and ran my credit, they told me my interest rate would be over 8 % APR for my {$44000.00} student loan! When I asked why, they kept saying that they factor my credit into the decision, but when pressed, the rep finally confessed that they consider current income! I'm a full-time graduate student ... I don't have a job. If I did, I wouldn't need student loans. When I graduate, I will be making more than enough to pay back the loans and may even have a job offer by next week for when I graduate. Job offers for future employment aren't considered though. Only current annual income.

There is no mention ( at least that I could find within hours of researching ) of needing income or proof of income to qualify or get the best interest rate. Clearly Discover is playing bait and switch. They wanted me to have a cosigner and then they would still only go down to as low as 7 % APR if I agreed to add a cosigner ( 1.01 % higher than the lowest advertised rate ). I doubt anyone can " qualify '' for their stated lowest rate of 5.99 %. This is false advertising! I cancelled the application without accepting funding.

I no longer want to do business with Discover and I will be sure to guide other students and professionals away from them for all products they offer.
Product: Debt collection

Hunt & Henriquez levied my bank account on a fraudulent judgement in California. They are claiming a judgement was filed against me in XXXX of XXXX. I was never served, I 've never received any notices about this case. I 've never heard of the credit card they are claiming the debt. They drained my account in the amount of XXXX and trying to get XXXX} more on XXXX. I called them on XXXX to report fraud. They said they sent it to their fraud dept for investigation and I 've heard nothing since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some accounts from my credit report that transpired because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # 's XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$630.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00}
Product: Debt collection

First the debt does not belong to me, the XXXX credit agencies keep taking pay offs to publish false information on my credit report which is hindering my well being of living. They have violated my privacy. According to - [ ] 15 usc 6802 : rights to privacy. 
Obligations with respect to disclosure of personal information.
Product: Credit card or prepaid card

My husband, the only earner right now in our household was suddenly laid off without warning in early XXXX We have a few credit cards, most with very low monthly payments which we should be able to satisfy until we are back on our feet, all but one, a XXXX XXXX card which I opened through XXXX XXXX this past summer. I have a promotional rate which put me at a very high monthly obligation of {$150.00}. When I chose this deal, we had no reason to expect lay off and were meeting our obligations. I was planning on paying off half of this debt in the early spring when we get our tax return and that would have brought the monthly payment down to probably half this. I called the bank a few days ago asking about assistance during our severe hardship.I was told that I cant qualify for the 12 month because I am on a promotional program which would have been at a payment of {$60.00} per month at a 10 % but I cant take advantage of that because of the promotional rate I am on. 
The only thing they offered me was a program where I had to actually miss my payment and then i could be put in a program that would lower my payment to {$42.00} per month. 
My major problem with this is that I have to actually miss a payment to qualify. My credit is good. Not great but good and it took me years to get it where it is now. I have to ruin my credit in order to get this deal? Of course we can show proof of this lay off if needed. Why is that not good enough? Why should a cardholder have to be forced to ruin their credit in order to qualify for a program like this? what should I do, not make my mortgage payment which we actually don't know what we are doing about that ( we are of course seeking assistance from that bank ) to make this {$150.00} per month payment?
Product: Debt or credit management

The vehicle a XXXX XXXX XXXX was reloaded from my possession in XXXX of XXXX. My personal information such as social security, name, billing information and address were provided to a third party company. This is illegal per code 15 USC 68.02 15 USC 1692F In addition, the provided contract amount has been manipulated, as in there are XXXX separate amounts on multiple contracts provided. Violations of the fair credit act include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Problems with TD bank alleging fabricating fraud activity on checking account Disrupting my use of my own available funds, In two separate occasions TD bank fraud department allegedly fabricated fraudulent use of my debit card when no such issue was present Please see following history of TD bank excessively alleging fabricated fraud activities on my checking account.. 

First incident occurred XX/XX/XXXX XXXX ) Case # XXXX Department # XXXX On XX/XX/XXXX TD bank declined a XXXX purchase in the amount of {$65.00} when my checking account had the available funds of {$2000.00} Second incident XX/XX/XXXX XXXX ) Case # XXXX Dept XXXX TD bank declined cvs purchase in the amount of {$26.00} when my checking account had an available balance of {$600.00} TD Deceptive business practices TD bank advertises that they are the most convenient bank. That statement is completely false, I have persistently experienced my debit card purchases declined when there are available funds to cover the purchases.. 

No value for long term customer loyalty TD bank has absolutely no value for their physically challenged senior citizen customers I have been a loyal TD bank customer for 10 consecutive years without no overdrafts or anything else, TD bank has persistently attempted to make me appear as a irresponsible account holder by fabricating these incidents of fraud on my checking account when When funds were available to cover the purchase I made