23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been attempting to modify my loan. In XXXX and XXXX, after months of Suntrust losing my submitted documents or rejecting for numerous reasons, I was denied a modification of my loan in XXXX, XXXX ( which stands at 6 % ). I had fallen behind XXXX payments earlier in the life of the loan but ALWAYS paid my scheduled payment as agreed. I was just XXXX months behind. I asked and begged for those XXXX payments to be put at the end of my loan. I asked and begged for a lower rate and new terms ... denied. All they offered me was a repayment plan whereby they took what I owed, divided it by XXXX, and that would then allow me to " catch up ''. Problem is, and I explained this to them, is that this loan is an interest only loan which is due to TRIPLE my monthly payments this coming XXXX XXXX, XXXX. They were uncaring to say the least. 
Fast forward to today, XXXX XXXX, XXXX. I just tried to initiate another modification process ( this time the loan is not delinquent as I paid the XXXX months that I was behind in XXXX/XXXX of XXXX ). I was told by the home retention department that the refinance department had to help. I was told by the refinance department that the home retention department had to help me. 
I can already see where this is heading. I 'm solidly back at square XXXX with this company. The representative at the home retention department was n't even sure if they could help me since I 'm not behind on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I own DEBIT COLLECTION NAME, XXXX XXXX XXXX, ACCOUNT # XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report
Product: Credit reporting or other personal consumer reports

My XXXX XXXX  Credit card was stolen and I reported it to the credit card company. There were fraudulent charges on the account and I reported this to XXXX XXXX XXXX XXXX but instead of fixing the problem they closed the account and reported it negatively on my credit file. Whenever I dispute the account all the credit bureaus do is place the account status as under investigation and alter the past due amount reported and now they have marked this as a charge off account. I never received a 1099-C form in connection to this charge of status from XXXX XXXX  as well. Under 15 U.S.C. 1692g validation of debt I don't recognize the account status, the account high balance nor to I recognize the late payments associated with this account. Everything being reported does not meet the FCRA. Also as a victim of fraud I should be protected under 15 USC 1644 being that I did not authorize the charges made on this credit card below. I filed a identity theft report with FTC as well and provided a copy to all 3 credit bureaus but they refused to assist me. 

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 or other personal consumer reports

My student loans should be marked as paid in full or paid as agreed. They are not. This is very frustrating because when they close my loans, they were supposed to have the correct remarks on the account and it incorrectly affected my credit because although the loans were on the account, the loans were not supposed to be in a negative state as they never were and they were always paid.
Product: Bank account or service

I am a XXXX XXXX XXXX on XXXX/XXXX/XXXX I have transfered money into my mothe account XXXX XXXX XXXX XXXX with XXXX BANK. 
I just found out the money went into a different account, and Bank Of America refuses to help me I have spent the whole day over the phone I XXXX went in perosn to the local bank. 
and they did nothing so I m lossing my {$500.00} dollars even do they know it went into a different account. 
I do need this money I have no money. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account says I was late and past due on payments when looking at account clearly show no amount was past due and I also never paid late my credit report should show this and when looked at it looks obviously wrong
Product: Debt collection

Convergent is attempting to collect on a debt, however they have presented no written agreement or contract with my wet ink signature proving that I contracted with them and that I owe said debt.
Product: Debt collection

I was seen at the emergency room at XXXX XXXX XXXX in XXXX or XXXX of 2019. I was having difficulty communicating and my daughter helped me get care. I gave the hospital written permission to communicate with her about my care and any financial issues. I was covered under the VA at 100 % of medical. They assumed because I was homeless at that time that I was lying despite me providing them my VA id and never bothered to send the bill to the address my daughter gave them or the VA. 

I received phone calls months later and they told me they never billed that address because I was homIeless. XXXX XXXX verified that they had the address on file which was my daughters but because I was homeless they didn't bother to send a bill to the address. I gave all the billing information XXXX XXXX needed for the VA and provided my address. XXXX XXXX continued to not bill the VA or send me a bill of the services. 

I called XXXX XXXX to see what the resolution was and was told it was to late and XXXX XXXX sent the bill to collections. They had no answer about why I still had not received a bill but said I should receive one from collections. I never had the opportunity to request financial help since I never received the bill to begin with. They did not even contact me by phone until months later although they had my phone number and my daughter 's. 

I called the VA and they tried to assist by contacting the hospital but they were told it was in collections and there was nothing they could do. I was told there was no timely AR billing so XXXX XXXX XXXX had to work with them. Instead they sold the debt to a collection agency who refuses to refuses do anything except add interest and ask me for a credit card number to pay the bill. Years later they contact me by phone although they should of had addresses and phone numbers to reach me or send me an itemized bill. 

XXXX and XXXX called me and said it all has to be paid and that the events leading up to this were irrelevant, the debt needed to be paid in full by me. If I did not pay the bill in full, I would be reported to the Credit Bureau and they would take actions to attempt to collect the debt. I have asked XXXX and XXXX to verify the debt via certified mail. I still have not received a bill from XXXX and XXXX but they have put this debt on my credit report after I spoke to them early XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WA XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Office Hours : 8 am - 4 pm Monday-Friday ( Except Holidays XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understand that you will investigate the following account to ensure its accuracy. Here is the account that I am asking you to verify and validate : Account name : XXXXXXXX XXXX XXXXXXXX Account number # XXXX
Product: Student loan

This has been a on going battle for over 3yrs. I have 2 fed loan accounts that were used while I attended XXXX in XXXX XXXX. I was contacted by the education board recommending i file for a loan discharge due to the schools falsely posting job placement numbers. I did file and my accounts were placed in adminstrative forebearance, in which i continued to make payments. Fast forward early XXXX XXXX I was purchasing a new car. Everything was good until I got my credit report showing both my fedloan accounts have 3 missed payments each ranging from late XXXX into early XXXX. Around the same time every payment I made after the date I filed for a discharge was returned to me. I figured my loans was discharged. a month later I was notified my loans were not discharge and I need to continue making payments. Thats when I saw all the missed payments. I have spent the better part of 2yrs going back and forth with fedloan trying to correct this issue. Finally a manager looked into it and found the education board made a mistake and was not suppose to send the payments back and if I paid the full amount for both accounts they would fix the history. Mind you at the same time they sent me a letter stating my accounts are in adminstrative forebearance from mid XXXX to now so how could I have a missed payment?. So months and many phone calls later nothing. Only after filing close to 10 credit disputes did they finally fix and remove missed payments from only one of the Fed loan accounts. The other account at the end of the dispute I'm told meets fcra requirements and nothing is fix. Ive contemplating getting a lawyer and taking legal action due to ultimately damaging my credit causing me more money on loans and credit cards as well as falsely reporting on my credit report, at no point in time was I ever contacted from fed loan or the education board to rectify this issue. I guess we just report whatever we want to anyones credit report without their knowledge or atleast a letter or phone call.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX
Product: Student loan

I tried to log into the account to see my account. I forgot my password and attempted to change it but never received the link to do so. That was on XX/XX/2023. I emailed them to tell them I cant afford the the loan payment. Ive heard nothing back. That was XX/XX/2023. 

Finally, Im not even sure what kind of loan this is. I think it is federal, but Ive had so many in the past, I dont know.
Product: Debt collection

Company KICKOFF LENDING LLC Charged off account XXXX XXXX  written off past due I never opened this accoutn or have any knowledge why is it on my credit report
Product: Checking or savings account

On Friday, XX/XX/XXXX someone went in a Bank of America location off of XXXX XXXX in XXXX, TX and had five separate withdrawals totaling {$4700.00} in a short period of time. This branch is an hour from where I live. I have my debit card and driver license so the bank employee authorized the withdrawals without doing a proper authentication. Here is the amounts and transaction id 's : 1 ) {$980.00} ( transaction # XXXX ) 2 ) {$910.00} ( transaction # XXXX ) 3 ) {$990.00} ( transaction # XXXX ) 4 ) {$900.00} ( transaction # XXXX ) 5 ) {$980.00} ( transaction # XXXX ) Since all these transactions are just under {$1000.00} each and happened in a short period of time based off the transaction ID, the Bank of America employee should have identified this a fraud and notified a manager to do a full authentication. 

However, that did not happen. The worst part is that I attempted to make my XXXX mortgage payment in the amount of {$3800.00} on the XXXX as well. On Saturday, XX/XX/XXXX I logged into the bank account to see if it was processed yet and noticed the fraudulent activities so I went to the local branch in XXXX TX. I was conferenced in with the fraud department and filed a claim. They said it would take 90 days to get my {$4700.00} back. This does not seem reasonable to me since they have cameras and can easily verify the person that committed fraud was not me. I was concerned about credit reporting my mortgage late so I transferred money to cover the mortgage and was instructed to come in Monday, XX/XX/XXXX to place a hold on the account and prevent further fraud. 

Today ( XX/XX/XXXX ), I went into the branch and was told they will decline my mortgage payment even though there is funds to cover it since there was not enough in the account at XXXX Friday. I am upset that BofA is holding my money XXXX and declined my mortgage payment causing a late on my credit report and they are the ones that did not operate the right way. Somehow, their employee gave {$4700.00} of my money to someone without proper authentication but I have to suffer all the consequences. How am I supposed to get gas and buy food? {$4700.00} is a lot of money to me especially because my wife just lost her job last month.
Product: Checking or savings account

With Bank of America, I have had multiple incidents of overdraft fees being charged to my account, putting my account into overdraft. I have had checks and/or money transfers that seem to disappear due to other random charges. It happens often. Ive had fraud charges on my account that lead me to getting new debit cards. Ive called and addressed charges such as XXXX XXXX being charged to my account ( something I do not have or use ), I would call and be told it has been addressed, only for it to happen again. There have been many instances where I have low funds in my account while waiting for a paycheck and an overdraft fee will cause my account to overdraft.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness.

2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information.

Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights. 
Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.
Product: Mortgage

I applied for a pre-approval with Chase. The loan officer 's name is XXXX XXXX, XXXX # XXXX. He asked for my gross income, and wanted my W-2. I explained that my gross income is actually higher than what my W-2 shows . I even provided proof of this by submitting an annual paystub that shows the correct gross income. Even after providing proof of accurate gross income, XXXX XXXX proceeded to use the wrong amount, which was significantly lower. He ended up using box 5 of my W-2, for 2022, which shows {$70000.00}. However, Box 12 should also be included, since those amounts are for employee sponsored health care plans. Including box 12 my gross income would be more than {$85000.00}. This would surely affect my loan terms by a significant amount. 

I attempted to politely discuss this with him on the phone, but XXXX was very condescending to me. Not only did he use the wrong gross income, he also ran the pre-approval for down payment of only 15 %, even though I requested 20 %. When I brought this up to him, he condescendingly asked me " can you even afford 20 % ''? This was extremely shocking to hear, especially since I had already submitted all my financials, including my wife 's financials. 

I also wanted to know what credit scoring model they were using to determine my mortgage worthiness, but he condescendingly argued to me that there is only one score. I know for a fact this is wrong, and politely tried to discuss this with him, but he insisted I knew nothing about credit scores. 

XXXX XXXX even had the nerve to file a complaint against me to his own manager, for dropping an XXXX XXXX. The XXXX XXXX was in response to the question when he asked " can you even afford it ''. To which I replied, " you should know this, I just gave you all my XXXX financials ''. That's when I hung on him, and wrote a complaint to his manager, but his manager never responded.

The tone in which he communicated with me on the phone showed clear disdain for me. The fact that he used wrong numbers for my pre-approval, and the condescending tone in which he spoke with me, exhibits clear intent to discriminate against me. I complained to his manager, and tried asking for a revised pre-approval letter, but they are ignoring me now. 

I am attaching proof of conversation in which XXXX admits to using the wrong gross income and wrong down payment amount, including my W-2 and annual paystub that shows my correct gross income. 

What recourses do I have at this point? 

Regards, XXXX XXXX
Product: Credit card or prepaid card

I've called twice asking Discover to close my Discover IT card ending in XXXX. They refuse to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated according to ... 15 U.S.C. 1681 602 ( a ) states I have the right to Privacy ... ..15 U.S.C . 1681 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions ... ..accounts XXXX XXXX  {$410.00}, XXXX XXXX XXXX {$780.00}, the bureaus {$850.00}, XXXX XXXX XXXX {$1300.00}
Product: Credit card or prepaid card

Last night XX/XX/27 @ XXXX, I received text message from Bank of America that my credit card ending in # XXXX was used at : XXXX, {$2000.00} and was declined. I was asked if I authorize the said activity and I replied " NO ''. I called # XXXX right away to prevent further unauthorized activity. I also mentioned that I did not authorize all transactions below, so the bank of America representative cancelled my credit card. 

XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX -- -- -- XXXX -- -- -- -- {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- - {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- -- -- -- -- - {$6200.00} XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - {$89.00} XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- {$5500.00} XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- -- -- -- -- -- {$1000.00} XXXX XXXX XXXX XXXX  XXXX -- -- -- -- -- -- -- -- {$400.00} -XXXX XXXX XXXX  {$10.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not respond to inquiries about accounts and information incorrectly included my credit report. I attempted to contact them via their online dispute resolution process on XX/XX/XXXX. They did not respond. I then contacted them again via telephone and their email dispute resolution process on XX/XX/XXXX. Still they would not respond. I have contacted Equifax on two more  occasions -- XXXX XXXX and, finally, on XX/XX/XXXX -- via regular mail, and I included copies of my online and email disputes, and they have still not responded to my inquiries and disputes. In the meantime, I have been refused housing and other opportunities because of the incorrect information contained in my credit report.