23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a single mother with XXXX children, I just went through a horrible divorce that involved XXXX. I am trying to pick up the pieces and put my life back together which includes keeping a roof over my children 's heads. I have a career with a XXXX year job history. Our home is currently in the foreclosure process with Bank of America. My ex husband stopped paying for the mortgage and took all of our money out of the bank when I obtained a restraining order against him. I can afford the mortgage payment go forward however I am unable to make up the back payments. Prior to the divorce being final I was constantly in contact with Bank of America trying to figure out ways to prevent the foreclosure. I was highly encouraged by them to obtain the divorce decree as quickly as possible and get my soon to be ex to quit claim the house so that I could qualify for a mortgage modification. I rushed the divorce to obtain these documents and submitted them only to be told I did not qualify. I was never told the same thing twice. Every time I called I received conflicting information. I retained an attorney by the name of XXXX XXXX at XXXX Law Firm as I feel there have been many UDAAP violations throughout this entire process that need to be investigated. To this day I still am unable to get the same information from XXXX different people at Bank of America on anything having to do with this whole mortgage modification approval/decline process. I submitted the divorce decree and quit claim deed exactly as I was told then I was told by someone else there was no need to do that. They appraised my home for {$500000.00} the first time, when I appealed that they came back with an appraisal of {$450000.00}. I sent in XXXX comparables to Bank of America and gave them the name of several realtors in my area who said the home would not appraise or sell for more than {$370000.00}. Bank of America has ignored that. Where is the due diligence around their appraisal process and ensuring the accuracy of them? How many other mortgage holders homes were over appraised as well in order to decline their mortgage modification?? I believe this over appraisal is XXXX of the reasons for the denial for the mortgage modification but not able to get confirmation around that either. Recently someone named XXXX XXXX called and said I could get my own appraisal done and this was the first I have heard of that as well. There have been nothing but unfair and deceptive acts and practices during this entire foreclosure/mortgage modification process. Please help, I can definitely afford the payments and need to keep my XXXX children in their home.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a used XXXX XXXX and I got a loan with Wells Fargo. I was told they have overcharged me in interest rate.
Product: Credit card or prepaid card

Recently in a response to a settlement offer on my account ( ending in XXXX ), I contacted Discover. I spoke with a customer service agency, XXXX, about setting up payment arrangements on a past due account since I couldn't afford the settlement. I sent in a {$500.00} good faith payment as agreed upon on the date agreed upon and then regular monthly {$200.00} payments, which they have accepted and cashed. Even when I was out of work and on unemployment benefits I sent in regular payments, albeit smaller than the minimum due, just to show that I had every intention to pay this account.All payments have been cashed by Discover but in XX/XX/2018, despite a payment agreement in place, my account was sent to a collections agency. Despite this, knowing that I had this payment agreement, I have been sending in my payments to Discover as I guaranteed that I would, and I have been writing letters with each payment asking this to be removed from collections and to keep the agreement that was set up with their customer service department. No one ever contacted me back in response to these letters. I have also been in contact with the collections agency, XXXX XXXX XXXX whom held the inaccurately discharged account as well who state they contacted Discover and they have no record of the payment agreement. Which is absurd since I personally talked to a customer service agent and I have kept my end of the deal. This should have NEVER been sent to collections. 

I filed a BBB complaint against XXXX and got an email from the Executive Office of Discover from XXXX XXXX stating that she was going to look into this on XX/XX/2018. I then received a letter from the sheriff on behalf of XXXX XXXX XXXX stating that I was being sued. Which is insane since I was making all my payments as agreed upon with Discover, they knew this and still continued with collections activity even though I was disputing the collection activity of this account. 

Since XXXX emailed me on the XXXX I have sent XXXX emails, one with proof  of all cashed payments and left XXXX voicemail and she has not responded at all. 

I feel I am being screwed over by this large bank and my credit is being hurt in the meantime. I need help. I want to continue my payment arrangement and have this account removed from collections and off my credit report as in collections. I want to make good on my debt and avoid bankruptcy but I am.getting zero response from Discover. 

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

In XX/XX/2020 someone updated my address to a Maryland address but I havent moved and dont know this address. I received An unemployment card in the mail and I didnt apply for it
Product: Checking or savings account

I always pay my US Bank credit card from an external account. I suddenly received an email from US Bank on XX/XX/year> that my account had been overdrawn, and I needed to bring the balance to XXXX to avoid any overdraft fee. So, I asked US Bank immediately on XX/XX/year> - 'What is the overdraft for? Please provide details of the transaction. ' No response has been provided to-date. 
This month, either due to system failure or oversight on my part, the payment was made from the US Bank checking account. I had never agreed to Overdraft protection. In spite of that, they had debited my account for the payment, even though there was insufficient balance. 
Since I never received any response from them on my query, I initiated a transfer from an external bank on XX/XX/year> ( same day as I was notified by US Bank ). 
Since I have never ever heard from US Bank, I called them today and an extremely irate rep told me that the fee would not be reversed. 
I can not even begin to count the number of things wrong with their fraudulent process. Documents attached.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against PNC Bank concerning an unresolved request to close my bank account, which has remained unaddressed despite multiple attempts to resolve the matter directly with the bank. 

I was a customer of Simple.com, which transitioned to XXXX and subsequently was acquired by PNC Bank. My original Simple.com account had no fees associated with it. Since the acquisition, I have encountered issues with the bank, including unsuccessful attempts to set up a login on their website and an unwillingness to pay a monthly service fee that was introduced following the transition. 

I have requested the closure of my account and the issuance of a check for the remaining balance of {$240.00} on multiple occasions, starting in XX/XX/2022, with no response or acknowledgment from PNC Bank. The lack of response from PNC Bank has left me with no alternative but to escalate the issue to regulatory authorities. 

Given the lack of response and action on the part of PNC Bank, I seek your intervention to assist in resolving this issue promptly, ensuring that my account is closed, and I am refunded accordingly. 

I appreciate your attention to this matter and look forward to your support in resolving this issue. At this point its not about the money. Its about not letting a bank get away with an unjust practice. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question is reporting different on all three credit Bureaus. The information is inaccurate and the debt has been reporting for 7+ years and causing me to not receive credit approvals. I am stuck with denial after denial. 

Account ( s ) in question are : XXXX XXXX XXXX XXXX - Closed - Debt Charged of and then I paid Debt Settled to delete. Never happened. 
Transunion Acct # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( Date of First Delinquency XX/XX/2016 ) still reporting negative and preventing me from getting new credit. 

XXXX # XXXX- Still reporting negative to date. 


XXXX XXXX XXXX - Closed - Debt Charged off and then I Paid to settle debt owed and was lied to by rep that it would be a pay to delete. After payment never deleted and now XXXX doesn't do paid for delete. 

This should be illegal get money or tax write off for charge off, lie about settlement pay to delete and the credit bureaus are still reporting negative information.
Product: Credit card or prepaid card

In XX/XX/2023 I went to XXXX XXXX at XXXX XXXX. They offered an store credit card and filled out an form. I bought {$50.00} in items. I never received an physical card. 
On XXXX, I received the payment statement per {$30.00}. I went to XXXX and I tried to pay that amount, but I couldn't make a payment because XXXX just receive cash, they don't accept debit o credit card. I just had {$25.00} in cash and payed off. Later in XXXX I paid {$25.00}, so I paid in full my own. 
In XX/XX/2023 I received an statement from XXXX in which I have to pay {$37.00} late fees, because I paid {$25.00} but not {$30.00}. Later, I received an statement per {$71.00}. I canceled this store credit card I called XXXX customer service, but they said me, they can't help me because I canceled that store credit card. However, I have to pay the total of {$71.00}, or the next balance will be charged and growing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

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  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.
Product: Vehicle loan or lease

I have been in the hospital, and just got out on the XX/XX/2020.  I was 2months payment behind {$1000.00} dollar 's. They claim that i have {$1100.00} In late fees and threatening to repossess my vehicle if I dont pay {$2600.00} by the XXXX. Or Else they will repossess my car. On XX/XX/XXXX. I told them i have other bills and that I had XXXX. Also I told them I could catch up on the 2 late payments not the excessive late fees. The company Consumer Portfolio Services. Also looking at my payments none of my money since XXXX is going to my principal. All to interest.
Product: Debt collection

On XX/XX/2023, I received XXXX unknown phone calls. When I answered it was a debt collector who stated I owe them money. And that they purchased the debt. I have never heard of nor contracted with this company. During the phone call the following FDCPA violations were made 15usc1692 ( C ) a ( 1 ) 15usc1692 ( D ) 5 15usc1692 ( D ) 6 15usc1692 ( E ) 2b 15usc1692 ( E ) 6b 15usc1692 ( E ) 10 15usc1692 ( F ) 1
Product: Debt collection

I am facing financial harassment and severe damage to my credit due to actions by the XXXX XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, regarding an alleged debt from XX/XX/XXXX. They are deliberately communicating with credit reporting agencies to harm my credit, which is negatively impacting my low-income family 's ability to thrive, particularly as a XXXX individual. 

It's important to note that federal laws, including the XXXX XXXX XXXXXXXX XXXX and the XXXX XXXX, provide protections for qualified individuals with XXXX. In addition, under New York law, the statute of limitations for consumer debt is 3 years. This means that creditors or debt collectors have a maximum of 3 years to attempt to collect on an unpaid debt or initiate legal action. Once this time period has lapsed, the debt is considered time-barred. 

The New York Consumer Credit Fairness Act ( CCFA ), which came into effect on XX/XX/XXXX, governs such limitations. It applies to both original creditors like credit card companies and debt collectors. Amendments to the New York Civil Practice Laws reinforce these regulations. Importantly, once the statute of limitations has expired, it can not be reinstated or extended, even if payments are made or acknowledgment of the debt is provided. 

For debt buyers and collection agencies to pursue legal action, they must demonstrate ownership of the debt and the right to sue for its collection. This entails providing a complete chain of custody for the debt, even if it has been transferred through multiple entities. Failure to prove ownership will result in the dismissal of the case. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my horrific experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding case not miner : XXXX Im not the third party I am the consumer asking for the information to be removed.
Product: Student loan

Hello, I am not sure if it is too late to inquire about my school misconduct private loan discharge application from Navient. I was denied and my school ( The art institute ) was forgiven by the government for federal loans, I am not sure why my application was denied ( without asking me any clarification, other information or details ) to forgive my private loans. 

I barely worked in the graphic design or art industry pertaining to the degree. I never made what they said I was going to make per hour at either job that I had held. When I worked at the winery in XXXX, my friends made more at XXXX XXXX and I was confused because I had spent so much time and money on this degree. I made {$9.00} an hour and I remember my friends with no degree were making more. I worked as a graphic designer at a winery for 6 months and then a newspaper where I got laid off, both back in XXXX. I fluffed my resume with freelance jobs made for family members and showcasing my art on XXXX and XXXX. It actually ruined my relationship with my father to apply for jobs over and over to have nothing to show for it. The competition in the art field was very steep and the XXXX jobs I had, I still lived at home because I could not support myself. 

I tried to go back to XXXX XXXX XXXX to earn a XXXX XXXX in XXXX and they would not accept most of the credits that I had earned in the very same building, with the same teachers. I believe they accepted approximately a semesters worth of credits towards a XXXX XXXX. It was devastating. I ended up leaving after XXXX semester, XXXX XXXX was trying to get me for another $ XXXX. Destitute, penniless, and frustrated, I had no other options of what I could do. I had to start over at XXXX, no college would touch the credits earned at an XXXX XXXX college. 

I had applied through XXXX personal loan school misconduct application form and was swiftly denied. I saw on XXXX that other people were approved and many people talking, the decisions for denial or approval seemed arbitrary. My school, The XXXX XXXX, put me in poverty for years. Navient can see my payment history with their company and my payments were always late because I have lived pay check to pay check working retail and customer service jobs. I explained as much as I could on their application. In the first XXXX pages of instructions, it said that if they needed more information they would ask me for it. 

I was never asked to provide any other information, if they wanted copies of my taxes or pay stubs etc I would have gladly found a way to get them. I only sent what I had immediately on hand and thought that the Department XXXX XXXX statements plus my federal loans serviced through Navient being forgiven would be enough to supplement what I was writing in the application. I did not keep my papers from enrollment at the school, I looked through my documents and they are all gone. Other than what I already sent with the application and the governments findings that the school committed fraud, that should have been enough to approve. Navient then sold my loans to XXXX in XXXX, so that I could not reapply for their forgiveness program.
Product: Credit card

This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( XXXX ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. See XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care, because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; '' ).
Product: Credit card

I got denied boarding to a plane to XXXX. According to XXXX XXXX XXXX recommended not to let me board the plane. I am a USA citizen and does not required XXXX. The entire trip was interrupted because i could not board the plain to XXXX. 

I file a claim using the car benefits posted in the chase website " XXXX XXXX XXXX XXXX XXXX If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to {$10000.00} per person and XXXX per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels. '' According to them that is not one of the reasons stated in their benefits.

This is the rejection per a chase adjuster " Claim Number : XXXX File Date : XX/XX/year> Claim Type : XXXX XXXX Claim Status : XXXX  We have reviewed all the information submitted to us for this benefit. Unfortunately, we will not be able to honor this claim because : The documents confirm the trip cancellation was due to insufficient travel documents. The Guide to Benefits confirms that failure of You or Your Traveling Companion to obtain necessary visas, passports, or requisite travel documents is not covered. '' Clearly, the rejection has nothing to do with what they are stating is the problem. According to the rejection I had no proper documentation. USA citizens only need a USA passport to travel to XXXX.
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report this morning, and I have no idea why they are there. While checking my credit report as I usually do, I noticed these unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the inquiries remained. I am extremely frustrated and request that the documents Ive submitted be carefully reviewed to resolve this issue once and for all.
Product: Checking or savings account

I have a capital one account, I have received a deposit for selling my car over 5 months ago and bank hold my funds said, if there is no charge back they will close my account and send my money, I still didnt receive my check neither they closed my account. I talked to them and they told me in 3 months we will send it but nobody sends anything everytime I call they ignore it
Product: Checking or savings account

In XXXX I opened a checking account and had a lot of money missing from my account. Overdraft fees and fees for things I didn't understand.