23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I executed a HAMP modification to the original mortgage which increased the principal balance from {$230000.00} to {$270000.00}, a difference of {$41000.00}. Based on simple interest calculation of the principal balance pursuant to the terms of the promissory note - including provisions for escrow - only {$21000.00} of the {>= $1,000,000} increase was necessitated to bring the escrow and the loan interest accrual back into good standing. We have yet to receive any indication of who at Chase received the {$19000.00} or how it was applied, only that it increased the principal balance. With a principal balance that was inflated due to the {$19000.00} unsubstantiated increase to the principal balance effective XX/XX/XXXX ( the effective date of the HAMP modification ), borrower overpaid interest through XX/XX/XXXX. On XX/XX/XXXX ( effective date of the XXXX transaction ), XXXX XXXX closed a XXXX deferred loan for an amount totaling {$42000.00}, of which {$4800.00} went to bring interest current on the correct principal balance and {$15000.00} was applied to PITI monthly payments of {$1700.00} over the period XX/XX/XXXX to XX/XX/XXXX. Had the proceeds been correctly applied, {$17000.00} would have been applied to principal on a principal balance of {$240000.00} or those funds would have been available to make PITI payments using XXXX XXXX funds to XX/XX/XXXX ( vs. the end date of these payments on XX/XX/XXXX ). During XX/XX/XXXX, based on the erroneous internal accounting, XXXX initiated foreclosure. Borrower was charged legal fees and late fees which should not have been charged due to the incorrect representation of the balance due and other amounts due. Borrower in XX/XX/XXXX reached an arrangement with Chase to allow her to deploy approximately {$4000.00} she had borrowed from a family member to complete replacement of her roof. She had already expended {$5000.00} for this purpose and needed to spend the additional {$4000.00} to finish the roof. Chase agreed to allow her to do this inclusive of a 90-day payment moratorium, as they desired these improvements be made to the loan collateral. When the servicing rights were transferred to XXXX from Chase in XX/XX/XXXX, XXXX 's representatives in XX/XX/XXXX refused to acknowledge the payment moratorium and thus the dispute between borrower and XXXX, as it related to the balances due in principal, interest, escrow and the payment moratorium, began in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

The name of the company is They claim to pay something that was no authorized by me and want me to pay a claim telling them that I didnt know this person or Authorize any payment to the person my Respond to them is to How can I pay something if the money is not there for me to pay it Why would I Authorize payments that I dont have money for i never even use this account Please send me Copies of these payments that you claim you made to this person that was on authorize By me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with XXXX for a long time and overall it 's been a great bank. Very good in most occasions. But I 've had some issues with fraud over the last year, particularly with people getting access to my credit report to open accounts without my authorization. I 've had some of the fraudulent inquiries removed from my reports but not all.
There are XXXX inquiries - on X/X/16 and X/X/16 - which I do not recognize and for which no corresponding account was opened by me. It 's not as huge a deal as opening a fraud account or letting someone use my accounts ( XXXX, XXXX XXXX ), but it hurts my credit score to have lots of inquiries that do n't belong to me and were not authorized.
I 'd like to have them removed.
Product: Debt collection

I sent a dispute letter to a company and they did not respond to me within the 30-day legal time frame. Attached to this form are the documents in which I am trying to reach out to them to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe XXXX XXXX and Experian has violated several of my consumer rights. Specifically, they failed to validate my debt at my request which is an FDCPA violation and they continued to report a disputed debt to the credit bureaus which is a FCRA violation. Not only have they ignored my prior request for validation of debt, proof attached : receipt copies or letter copies but they continue to report this debt to the credit bureaus causing damage to my character. 
I request that the credit bureaus follow the FDCPA and please provide the following validation of debt request. 
1. Proof of right to own/ collect this alleged debt 2. Balance claimed including all fees interest and penalties 3. Contract bearing my personal signature I would like to exercise " Estoppel by Silence '' which legally means that the bureaus have a duty to speak but failed to do so, so therefore it must mean that the debt is false. I will use Estoppel in my defense. 
I expect to receive the proof requested above within 15 days of this letter. Should the bureaus ignore my request for validation of debt I reserve the right to sue the bureaus for violation of my consumer rights specified under both the FDCPA and the FCRA. 

Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES STILL REPORTING. 

UNAUTHORIZED INQUIRIES REPORTING EQUIFAX : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorizedXXXX The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card

I have a XXXX Credit Card . It has the benefit of upgrading my Marriott elite status to Platinum after spending {$75000.00} in a year. I have reached the spending requirement, however, Marriott has not upgraded my elite status. 
Chase asked me to contact Marriott. However, Marriott also asked me to contact Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XXXX XXXX to get Bank of America to sort out the complete mess they have made with my Home Equity Line of Credit ( HELOC ). 
Account # XXXX was opened on XX/XX/XXXX and I have been making all the regular payments by transferring money on my BofA dashboard from my personal account to the HELOC account. 
It appears that at the end of XX/XX/XXXX, the bank changed the account number to XXXX without any notice to me. My HELOC account was still on my dashboard and I continued making every monthly payment through to and including XX/XX/XXXX. 
In XX/XX/XXXX i tried making my usual payment, but the option had been removed from my dashboard. 
After many phone calls it turned out that the account had been handed over for collection for non payment, despite all my payments made in full and on time. These payments had not been applied to my account and were somewhere floating in some sort of suspense. 
After multiple, multiple, multiple calls and emails over several months they eventually apologized for their error, correctly allocated these " Unapplied Funds '' to the account and stated that they would have ALL negative comments posted on the credit reports removed, that the account was current and in good standing. 
Not all the negative comments were removed " Account information disputed by consumer '' still remained on all the agencies. I spent most of yesterday getting these comments removed - something that the bank should have done. 
Checking my reports, I saw that the comments had been removed, BUT XXXX  was showing that I had XXXX HELOC accounts with BofA - XXXX showing negative aspects ( Past Due ) and the other " Current '' no past dues. THERE IS ONLY XXXX account. 
The bank has been unbelievably slow to get things done - stating that it was complicated - and thoroughly inept at getting this mess, that they created, totally fixed. 
Due to their extreme incompetence I have been denied a re-finance on my mortgage SOLELY because it appears that I have XXXX HELOC accounts with BofA. This has cost me thousands in wasted time XXXX multiple phone calls, multiple emails ) trying to get them to fix their mess, the cost of not been able to re-finance and reduce my mortgage payments by {$230.00} per month, which for 360 months amounts to {$83000.00}, to say nothing of all the emotional stress that this has caused
Product: Debt collection

EOS CCA did not send me a notice stating I had the right to dispute this alleged debt before they reporting it to the CRA 's.
Product: Debt collection

Monday I called Reliant capital solutions XXXX XXXX XXXX they say I owe XXXX But my student loan is XXXX they say its interest but its XXXX
Product: Credit reporting or other personal consumer reports

I would like to follow up in regards to rectify the fraudulent items on my credit report have been handled. Despite my persistent efforts to have these fraudulent entries removed, they persist on my credit file, causing severe financial and personal distress. These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. Please help me remove these fraud items in my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} .
Product: Checking or savings account

I had fraud on this account. I disputed the charges that were over {$1400.00} and was denied my claim. I have tried to close this account before this happened because this happened to me before with chime. Chime refused to close the account. I have talked to the XXXX about this and unfortunately the XXXX  says they can not enforce anything and told me to contact CFPB. Chime will not credit me the funds fraudulently taken, and ask me to prove that the charges are fraudulent. I have sent bank statements from the bank I use to prove that I do not use chime anymore, and I have went to the merchant while on the phone with the claims department. They still tell me that they will not do anything to give my money back. I want my XXXX dollars back and this account closed. I have already had the claim reopened for them to tell me the info I sent was irrelevant.
Product: Credit reporting or other personal consumer reports

Request for Debt Validation : Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX ( CLOSED ) account # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX I am writing in response to your recent communication regarding a debt you claim I owe. I dispute this debt and request validation under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : Verification of the Debt : Proof that I am the legal and rightful owner of the debt in question.

Details of the Original Creditor : A complete breakdown of the original debt, including the creditors name and details of the original amount owed.

Proof of Your Authorization : Documentation that establishes your right to collect this debt on behalf of the original creditor.

Detailed Account Records : A complete accounting of the debt, including the balance, interest, fees, and how these were calculated.

Statute of Limitations : Confirmation of the date of the last payment made on the account to determine if the debt is within the statute of limitations for collection in my state.

Until this debt is validated, please cease all collection activities, including reporting this debt to any credit reporting agencies, as per the FDCPA. Reporting unverifiable or inaccurate information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

This letter is not an acknowledgment of the validity of the debt nor a promise to pay. It is a formal request for verification and validation of the debt you claim I owe. 

If you can not provide sufficient proof to validate this debt, you are required to cease collection activities immediately and remove any related information from my credit reports. 

Please respond to this request within 30 days of receipt of this letter. Failure to do so will be taken as your inability to validate the debt, and I will consider this matter closed. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

On or about XXXX on XX/XX/XXXX, I spent {$100.00} purchasing XXXX using CashApp. I then tried to send some XXXX to my personal XXXX  wallet - CashApp did not permit this, requesting identity verification in order to be able to send XXXX. I then uploaded photos of my drivers license. On or about XXXX on XX/XX/XXXX, CashApp sent me an email stating that my account had been verified. Later that afternoon, I attempted to send XXXX, this time being greeted with, " Sorry your withdrawal could not be processed ''. I attempted to contact support to fix this and was instead greeted with the utmost disrespect from an " Advocate '' using the name " XXXX '', who lied about methods for checking the status of verification. I remain unable to use the XXXX  I purchased. At this point, I believe that I have been scammed out of {$100.00} and that CashApp has engaged in XXXX of the most egregious examples of unfair, deceptive, and abusive practices imaginable.
Product: Credit card

I attempted to cancel my account in 2011, i signed up with a new processor. They didnt cancel my account and fraudulently kept taking my money for years. Now they refuse to make it right
Product: Credit card

I am writing to formally lodge a complaint against Chase Bank regarding an unauthorized transaction dispute that has been mishandled, causing me significant stress and financial concern. 

On XX/XX/year>, I contacted Chase to dispute unauthorized transactions on my account ( card ending in XXXX ). Despite my timely filing, Chase later falsely claimed that I had only filed the dispute on XX/XX/year>, which they state is beyond the allowable timeframe for dispute resolution. As a result, they have denied my dispute on incorrect grounds. Calls with Chase were on their recorded line and hence should be verifiable. 

Additionally, Chase required me to contact XXXX regarding these unauthorized transactions on a call with Chase Investigation team. XXXX could not verify that I made the purchases, further supporting my claim that these charges were fraudulent. They clearly stated the account I've on XXXX didn't use this particular card. Call with Chase was on a recorded line and hence should be verifiable. 

Despite my efforts, Chase refuses to acknowledge my original dispute date of XX/XX/year>, and has unjustly declined my claim. Their mishandling of this case has caused me considerable distress, and I request your office 's intervention to ensure that my dispute is properly investigated and resolved in accordance with consumer protection laws. 

I would appreciate your assistance in holding Chase accountable and ensuring that my dispute is given fair consideration. Please let me know how I can proceed with this matter. 

Thank you for your time and assistance.
Product: Money transfer, virtual currency, or money service

This is my third complaint to the CFBP, The previous complaints, were XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

Both complaints relate to the same issue : On XX/XX/XXXX, I sent a {$90000.00} wire transfer to a friend in Florida. Bank of America seized my {$90000.00} and refuses to return my money. 

As a result of my second complaint, Bank of America assigned me to a Resolution Specialist, XXXX  XXXX XXXX. Ms. XXXX wrote to me " I am your dedicated point of contact until this matter is resolved. '' Ms. XXXX is my 3rd Resolution Specialist. 

In her last written communication with me on XX/XX/XXXX, Ms. XXXX stated, '' As requested on XX/XX/XXXX, please contact law enforcement and obtain a seizure warrant to work towards obtaining your funds. Once you have obtained a seizure warrant, please contact our Check Fraud Claims department at XXXX ''. 

First of all, there was no communication between Bank of America and myself on XX/XX/XXXX. Secondly, no one knows what a seizure warrant is, making it impossible for me to obtain one. I have contacted 3 Police Departments, talking to one Police Chief, 2 Attorneys, and Ms. XXXX XXXX own people at that XXXX number. I even looked up seizure warrant on the internet and looked through do-it-yourself legal documents with no success. I have called Ms. XXXX over 10 times in the last 3 weeks, with no response, leading me to believe that she doesn't know what a seizure warrant is either. 

As it stands, I'm still out my {$90000.00} and Bank of America has assigned me to an investigator who is either unable to answer my questions or unwilling to. 

I'd like my money back NOW. Bank of America seized my {XXXX} with out cause. It's time to end this nonsense. I'm almost XXXX years old and live on a limited income. I want my money back now.
Product: Debt collection

I contacted Elan Financial Services. I made arrangements with XXXX to pay debt off {$99.00} per month on hardship and reduced interest rate. I have made the payments as directed and on time. Today at work on my work phone I got a phone call from Elan about the same debt I made arrangements to pay. For questions the company had been contacting at my cell phone. Why out of the blue after the debt is up to date am I being called at work.
Product: Student loan

My account was automatically placed on forbearance. Payments made were applied to principal. After restarting Payments I have been on time making payments to my loans but it keeps showing past due. I have been sending emails regarding this issue but no reply and unable to get anyone on the phone for assistance
Product: Student loan

After several conversations with Navient, I was FINALLY able set up a six ( 6 ) month payment plan ( after an hour and a half on the phone and confirming my and my co-signer 's financials ) for more than I could afford, but the " best that could be offered to me ''. Since then, I have made one payment and received several ( around seven ( 7 ) or eight ( 8 ) calls over the course of three weeks ) asking me how I would like to bring my account current. Today, I spoke with them again, informing them that the phone calls are now getting ridiculous and that they need to work their system better if they couldn't see that I had set up payments. In today 's conversation, I was informed after them reviewing my account, that the plan I had been " approved for due to an override from a manager '' I no longer qualified for. I was also told that because I had a co-signer, they were required to help me because that's what a co-signer is doing when they agree to sign for the loan. I informed them that my co-signer was yes, able financially, but not willing to help me due to the age of the loans and the fact that I had been able to pay them in the past. 

I am now trying to work with them in regards to payments, but because of my co-signer 's income, they are telling me I do not have any programs to qualify for lower payments on. My original plan was three payments of {$44.00} and change, followed by three payments of {$100.00} and change. I am now told that I MUST make a payment of $ XXXX/month for 15 months set up all at one time or my account will be reported delinquent to the credit bureau. I have XXXX children ages XXXX and under. With my check barely ( or not quite barely ) able to cover insurance and childcare, we are left with my husband 's income to pay the rest of our bills every month. These student loans were taken out in XXXX ; making these accounts XXXX or more years old. I currently work for the lXXXX XXXX XXXX  and had been hoping that I would be able to qualify for student loan forgiveness and now that seems to be out of reach. I don't know what I can do, where I go from here, or how to handle this.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XX/XX/2022 XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022