23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have requested the stopping of the foreclosure while appealing modification and asked to speak to investor. Mr. Cooper refuses to assist me in a modification or reasonable repayment plan. I was sold a bad loan that XXXX XXXX XXXX  sold to us XXXX XXXX and now Mr cooper services. They are foreclosing on me and did not send me certified letter of notification of 40 days as required by law in Georgia. I want to offer and have offered a payment to settle in full since they will Not work with me not present anything to the investor. Instead they want to take me equity and foreclose on XXXX yet say I owe {$400000.00}. I am requesting they waive all accrued interest that was XXXX XXXX  from 2010 and modify the loan based on the original loan amount of XXXX since thats what they are willing to accept from a stranger. 

Please stop the foreclosure I am a senior and this is the only home I ever had and have nowhere to go. 

XXXX agents on the hardship program assigns someone to help but only in paper. I have never heard from them and they are not offering any reasonable solutions. 

Every time I call I get a hard time with no help. They refuse to reach out to the investor with any of my offers. 

This was a scam loan and they snd the investor should be held accountable for not explaining how the mortgage worked. 

Please stop the foreclosure is my request as even though I applied for modification they still want to foreclose even though no certified letter. 

They are constantly breaking the law and not trying to help in my opinion. 

I need someone to handle my case and actually speak to the lender they service XXXX XXXX XXXX
Product: Checking or savings account

Bank of America doesn't protect its customers against fraud XX/XX/19 filed a claim of fraud atm transactions. The rep who took my claim was very rude and nasty towards me for no reason, I kept a positive attitude and ignored his nasty behavior whoever the rep was in XXXX, AZ that I spoke to needs a customer relation class on how to speak and treat customers because I doubt he had that same tone with me in public. 

Once he filed the claim he missed two additional charges, when I point out the error to him he say in a nasty tone. " I asked you if that was all the charges you wanted to file, now I have to open another claim '' .... Mind you I told him about all the charges I wanted to file he just wasnt listening when I was speaking to him, and the phone call recording can prove this for a fact. 

After the claim was filed I asked him for a provisional credit in my account, he said " no because how did someone get my pin card ect '' I told him my wallet was stolen which had my credit cards, ss card, and insurance card, and if I knew who took my things I wouldn't be calling filing a claim obviously and after all its my money I don't need to explain why I want money back into my account tf?. ( I been a customer with boa for about 3 or 4 years and never filed claim ever ). i ask to speak to a manger then goes to say hes an account manger, and its nothing else we can do but wait fast forward few days later i log into my account and i see XXXX, i may have called at least 10 times to see why i had this hold on my account and i got a different answer everytime. yesterday i spoke to 5 different claims agent who all gave me five different answers. 1 agent said the manger put " claim abuser '' in my notes another agent told me its an " ACH '' hold and she doesnt know why its on my account because she said she can see i havent cashed any checks, another agent told me manger named XXXX put the XXXX hold on my account was the only person that can remove it. Im glad my direct deposit was coming to that account because the neg balance would of ate it up. Boa filed to proctect me as customer and basically accused me and pointed me out as a victim. This isnt right and its no way to treat a customer. Now i recived an email saying my account closed due to inactivy now lets be logical. my account is XXXX how can i do anything with my account like that. This isnt right and contradicts Bank of America " zero liability protection '' which is a lie and false advertisment
Product: Bank account or service

My son is away at XXXX in XXXX, Pennsylvania. There is no local bank for him so our bank advised him to use the no surcharge ATMs to ensure there is no charge for getting cash from the atm. When we arrived at his dorm there was an ATM right in the lobby that stated no surcharge on it ( picture attached ) so I told him to make sure he uses that XXXX. When he used the ATM it now stated they were charging a {$3.00} fee for withdrawal ( picture attached ). There is XXXX students in my son 's XXXX class and nearly XXXX students on campus. These student are hundreds and some thousands of mile away from home and need to have access to their money for necessities like books and food. PNC has the market for ATMS on campus and are falsely advertising their inaccurate service. 
I contacted PNC customer service and talked to representative XXXX XXXX on XXXX at XXXX XXXX. He took the information and said he would forward it to their service department to get the sign taken down. I asked what they were going to do for these students that have already been falsely advertised to and had to use their ATM. He said they should not have used the machine and their is nothing he would do. I asked to speak to someone higher up and he would not provide a name or number. He told me to dispute the charges with our bank. I hung up and called our bank and they said their is nothing they can do on their end because the charges came from PNC. 
The issue is that they falsely advertise and these kids are, for most, first time away from home and have no other choice but use the machine or take a chance to go off campus and XXXX only knows what may happen to get the money they need to survive. If we use the example of approximately half the student body ( XXXX ), and they take money out of the PNC ATM once a month for {$3.00} each transaction the bank has just made {$35000.00} a month unfairly. We send our children to getter a higher quality education and the big banks are morally and unethically teaching our kids that it is ok to falsely advertise and make money for doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX ACCOUNT # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 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 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: Checking or savings account

On XX/XX/2021, I filed two debit card disputes with 5/3 bank. On XXXX the merchants refunded all charges, but 5/3 refused to waive any fees. I have been on the phone with multiple reps and " supervisors '' who alternately tell me yes and no anbout the refunds, but nothing happens.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 
Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated. 

XXXXXXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone took a picture of my debit card and when I was on vacation in a different state was taking money out of my account until I got to the state where I live at Pennsylvania I checked my balance and {$26000.00} were stolen from me and when I went to TD Bank shows me all the chargers that were done online banking I never made an online banking before for instance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pay TD Bank made a report for me declined me this happened in from XX/XX/2022 until XX/XX/XXXX Never got a phone call from the bank Never got emails or text messages or phone calls for money being spent so fast Changed my debit card somehow the same person got into my new debit card the new report said XXXX were stolen out of the new debit card the bank XXXX XXXX said its impossible for her to get your new card Ive been XXXX since XXXX when they said they cant do nothing about it I went to the police station made reports XXXX XXXX XXXX  gave up lost my XXXX  back to living at my parents house Ive been XXXX  over the bank of TD XXXX XXXX XXXX, XXXX all the way until XX/XX/2022 I am very hurt I think justice wasnt served I am out of {$26000.00} and more and I think its TD banks has no common sense and doesnt care about the people that bank there hopefully Someone can get back to me
Product: Checking or savings account

I wasnt told until later they were placing a hold my deposit. They have done this with every deposit I have made. Holding it for 9 days, even when it clears much sooner. Not releasing any of funds to me. They can verify it is good check. Even told me if I were not already a customer they wouldve cashed it right away for a several hundred dollar fee. I requested to just give me it back and they would not. Going to hold it for the 9 days no matter when it clears
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up once again regarding the unresolved issue of late open accounts on my credit report. Despite my previous attempts to rectify this matter, the inaccuracies persist, and I am growing increasingly concerned about their impact on my financial standing. 

I have followed your dispute resolution process diligently, expecting a timely resolution, but the lack of progress has left me frustrated and anxious about the potential consequences. 

I am reaching out once again in the hope that this matter will be addressed with the urgency it deserves. I kindly request a thorough investigation into the late open accounts on my credit report and immediate action to correct them. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance Owed : {$3600.00} ; XXXX XXXX  XXXX Balance Owed : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$470.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2023 RE : XXXX XXXX XXXX XXXX No Response To whomever it may concern : According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history, note or other instrument bearing my signature. 

15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

I expect to see a response from you within 15 days proving the validity of this account. If you can not validate this account, then I ask that you immediately delete this from my credit reports. 

The following accounts are listed below : XXXX Account number : XXXX ( Balance {$26.00}, XXXX ) XXXX Account number : XXXX ( Balance {>= $1,000,000} ) XXXX Account number : XXXX ( Balance {$1000.00} ) Thank you and best regards,
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and w
illful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Student loan

I worked as a XXXX for about ten years and I have documented that amount of Public Service to Navient and they denied my request for Forgiveness. Further I graduated with a XXXX in XXXX, then began XXXX. I began paying back my student loans then. That was 20 years ago now. Navient, Life of the loan history, that I will send you if you like, only goes back to beginning of XXXX, so 2 years of history and payments are missing. They gave me credit for 70 payments and have received back to amount in dollars and cents of over XXXX XXXX XXXX, {$22000.00} and that is just about exactly all I borrowed in the first place. Then they are also saying that I have paid them {$5200.00} in interest. But they are still demanding another {$9100.00} plus dollars in principal and interest, with {$3200.00} of Capitalized interest. I think that I have paid both in the fact of working in Public Service, XXXX, and in the fact that I have paid all the amount I ever borrowed. 
The fact they are asking for another {$9100.00}. plus dollars is a 50 % or nearly rate of return on the initial loan. They are making 150 % investment on me and I did the Public Service work. It just is not Right. Please help? I can also send the documentation of my years of service to verify what is written here.
Product: Credit reporting or other personal consumer reports

My identity was stolen and my information was compromised in a security breach I have multiple other accounts on my credit report that are not accurate and opened up in my name without my knowledge when I try to get credit cards in my own XXXX unable to Name of Company : XXXX I XXXX  noticed this account in XX/XX/XXXX and XX/XX/XXXX Amount {$430.00}
Product: Debt collection

In  XXXX   XXXX , I got behind on my credit card with  XXXX   XXXX   XXXX   XXXX   XXXX  due to having a baby and being on unpaid maternity leave. I could n't catch up and pay the minimum amount due so I ignored it for a while. About a year later, a debt consolidation company  ( CFS2 ) co ntacted me on  XXXX   XXXX  's behalf in order to consolidate. I worked out a deal where I would pay back half of the debt over a course of a year which amounted to about {$2400.00} and the other half would be reported on a  XXXX  Cancellation of Debt which I filed on my taxes for the year  XXXX . Since then, I keep having call after call from a different company/firm trying to collect on this same debt. I tell them that I have fulfilled the debt through a debt consolidation company and they say thank you and we will take care of it. Then a month or two later, I get another call from another company with the same story. So I tell them again what I did and they leave me alone. I have seen where they are going so far as to call my brother in another state and my in laws trying to find me. This is utterly ridiculous and I need help! Any help you can provide would be fantastic.
Product: Credit card or prepaid card

I have reached out to CapitalOne regarding account that they are reporting under my social and on my credit multiple times in XXXX, XXXX, XXXX, however all my requests asking them to either provide me a proof of the application or update my records were not answered. I am a victim of identity theft and there was an account opened under my name with Capital One in XX/XX/XXXX and it was charged of in XXXX of XXXX. This account dose not belong to me and I need them to actually remove it form my records and update all credit reporting agencies. This has caused me not being to obtain government federal jobs. Once again Capital One needs to remove this fraudulent account from my records immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. 

Bankruptcy Chapter XXXX-dischargedLLY FINANCIAL, Bankruptcy Chapter XXXX-dismissed, XXXX XXXX XXXX XXXX, XXXX XXXX. 

There are also a number of inquiries that I did not approve to happen. please delete these as well. 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted credit bureau and creditors multiple times about these accounts and they still refuse to do and investigation. I'm requesting a investigation to be done or else remove accounts from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX and XXXX of XXXX I've received Activity on my credit report with trenching in that was not alterized. I don't know who is XXXX and never had any affiliation with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Roughly XXXX XXXX 2017 XXXX tried to charge me for breaking a contract. I contacted them and told them I did not sign a new two year contract. They insisted I did. I then asked for documentation showing this " alleged '' contract where I was informed I had done it over the phone. I then asked for verification. I said since you state that all calls are recorded and monitored I would like a copy of my call and was told no. I never received any service and REFUSE to pay for something I never signed up for. Since then they have placed my account in collections. I then contacted both XXXX XXXX and XXXX where I was told it would be disputed. I was sent a letter and absolutely nothing was done. I called again to ask why and they had no answer. I do n't know what I can do because this is effecting my life where I was turned down for mortgage. Please help. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and XXXX Account # XXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Discover Bank- I was told I needed to provide of proof of my name as my social did not match. I sent all required documents and was told everything was approved. In XXXX they started taking back up withholding. I called and emailed and they apologized and told me it would be fixed immediately and returned my funds. It happened again in XXXX. I have now spent over five hours being told to call back over and over. They keep apologizing and telling me it has been fixed but my funds have not been credited. They acknowledge it should not happen but refuse to do anything. I am not sure what to do. They continue to make false and misleading statements about my money and the status of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice for FINANCIAL DATA SYSTEMS to cease and desist ALL communication regarding this allege debt. WHERE IS YOUR PROOF? Who sent you to furnish my consumer report? What is our relationship and where ANY documentary evidence of this alleged debt? You have 30 days to send a deposit statement, a contract or a statement of obligation with my wet signature on it, until then CEASE ALL COMMUNICATION this includes but not limited to phone calls, emails, social media, or ANY CONSUMER CONSUMER REPORTING AGENCY. Please only respond in writing to confirm your acknowledgment of this letter. If you do not cease communication, a lawsuit will be commence against you. 
Thank you for your cooperation. 

please find attached a FTC report for identity theft. 

DELETE THIS ACCOUNT # XXXX