23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2022 Bank of America wrote to me and copied the Office of Attorney General of Maryland that the Principal balance on my home loan ( {$190000.00} with finance charge of {$150000.00} = {$350000.00} ) was {$76000.00}. With an unapplied total sum of {$1100.00} As of XXXX, this lender claimed this amount to the XXXX Md. 
BOA in a rush to foreclose my property issued escalating a new bill in XX/XX/2022 of {$100000.00}. 
This is a predatory lending targeting vulnerable borrower to trap me in cycles of debt leading to foreclosure and bankruptcy. This is worth investigating and I attached herewith supporting papers for evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

School was closed and they failed to keep communication about loans and grants after I applied for school finances. I have applied for loan forgiveness a few times, along the applying the the programs through the COVID times. At the time of my attending they said they would being closing before my degree was finished for legal matters. What I need to do to resolve this cause it is still showing up on my credit reports and accounts when I try to enroll with other schools and they fail to communicate with me. 

Student ID : XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 The following personal information is incorrect Incorrect Name - XXXX, XXXX, XXXX - The following personal information is incorrect Incorrect DOB - XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect EMPLOYER - XXXX XXXX XXXXXXXX XXXX XXXX following personal information is incorrect EMPLOYER - XXXX XXXX XXXXXXXX XXXX XXXX XXXX The following personal information is incorrect
Product: Debt collection

My most recent credit report lists accounts that I did not authorize and believe to be incorrect. I request their removal and blocking as soon as possible
Product: Debt collection

On XX/XX/ I sent certified letter to XXXX XXXX disputing an item in the amount of {$900.00} on my credit report. I requested a signed contract validation and allowed 30 days for a response. No response was received which is a violation of FCRA/FDCPA laws. this company is falsely reporting unverified debt on my credit report which is damaging my credit history. A second letter was sent on XX/XX/ which no response has been received as well. This is a very neglectful action from what should be a professional business. This is greatly harming my credit scores and credit worthiness!
Product: Debt collection

Signed a 6 month lease in XX/XX/year> with XXXX XXXXXXXX XXXX XXXXXXXX and moved out the beginning of XXXX. Always paid rent on time and never heard otherwise. Even called their office before I moved out to make sure I didnt owe anything else and they said I was all paid up. Gave them 60 days notice I was moving out in XXXX as well. Noticed a couple months back all of a sudden I had collections on my credit when I was looking at buying a house and my credit dropped from XXXX to XXXX ive never had any debt ever. No loans or credit card debt nothing. The company was called IQ Data International for the collections. I have never received communication from either XXXX XXXX XXXX XXXXXXXX or IQ Data International whatsoever at any point over the last 3 years. Ive disputed with all 3 credit bureaus and XXXX specifically refuses to lift the debt so my credit is still destroyed. Ive tried reaching out to XXXX XXXXXXXX XXXX XXXXXXXX for them to confirm if I owe them anything and they refuse to pickup the phone. Ive also written a handwritten dispute via letter to IQ Data International stating I do not owe this debt and have never received any correspondence whatsoever stating I owe a debt. Was just sent to collections without my knowledge and got my credit destroyed that Ive worked so hard to build.
Product: Mortgage

* on XX/XX/2021 I applied for a re-finance to my existing mortgage with Flagstar Bank ( loan XXXX ) with some additional cash out to cancel credit card debt. total loan was for {$140000.00} agains the equity of my home ( appraised at {$530000.00} ) .I got a loan estimate and a conditional approval letter as of XX/XX/XXXX and XXXX ( attach XXXX and XXXX ). I was given a new reference for the new loan ( XXXX ) and a interest rate of XXXX locked until XX/XX/XXXX attach XXXX * As underwriting for the loan progressed I provided the required information for their processing. I got also letter from XXXX XXXX indicating that they were handling Title insurance and loan closing. ( attachmen XXXX ) All seemed to be on track and I got a letter of acknowledgment on XX/XX/XXXX ( over 60 days from my initial application ) that all was in order and that final approval was inminent. ( See attachmen XXXX ) * Around XX/XX/XXXX however I got a phone call from loan officer XXXX XXXX indicating that my loan had been declined. I tried to find reasons for the declining and only was told I was not qualified. No documents, no letters and no emails were sent to me with detailed information on this declination, I tried to communicate with loan officer and supervisors of Flagstar several times on days ahead to no avail, On my loan portal however, the status of the loan was of : '' Conditional Approval '' with the rate still locked until XX/XX/XXXX After complains to Flagstar loan department I got email 7 days ago indicating that some one was going to communicate with mi, but to date I have not received any call from then, nor any detailed reason for the loan declination ( see attachmen 4 ) .To date, status of loan is of conditional approval, ( se attachment 4 ) but rate has been unlocked ( attachment 5 ) which was not suposed to be done until XX/XX/XXXX ( attach 5 )
Product: Money transfer, virtual currency, or money service

I made the mistake, as Im sure others have found the hard way, that XXXX XXXX offers no consumer protection despite being affiliated with major banking institutions ( such as mine with Suntrust ). Unlike XXXX, if you initiate a payment to someone who turns out to be defrauding you, there is no recourse. Even if you become aware of the fraud within minutes, not days. 

I never used XXXX before, and I can tell you I never will again for this very reason. I was buying event tickets today ( XX/XX/XXXX at XXXX EST ), the guy showed me the actual ticket purchase via XXXX by including a screenshot in an emai, and he said he would immediately transfer them via XXXX once I paid him via XXXX . I told him I never used XXXX before, and he told me how safe it is since its offered by major banks as a service offering. I naively thought my bank ( Suntrust ) would stand behind me if there was any kind of impropriety ; that is not the case. 

I have a name, address, cell number, XXXX account name and affiliated phone number, a screenshot of the XXXX purchase transaction, and texts and email exchanges documenting everything. 

Im a mother of XXXX kids with XXXX XXXX who wanted to see a comedy show with a friend as our XXXX gift to each other. I needed just a night of lighthearted laughter, since I dont have a lot of it in my life. Instead I spent every last dime I had to spare, {$140.00} to be exact, to line the pockets of a scam artist via an app my own bank endorses and supports. 

XXXX and Suntrust Bank offer zero Consumer Protection or recourse against Fraud when using this money transfer app. 

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

I do not understand why accounts are not reflecting true information about my reporting. I have written below all the discrepancies. 

I request to be provided specific proof that these alleged late payments were in fact late. I requested to see all statements and payment transaction records from the creditors and credit bureaus that would prove that my payment was not submitted on time. 

I sent each of the credit bureau/s the letter attached and certified on XX/XX/XXXX, certified made it to them on XX/XX/XXXX and they have yet to respond. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Both the creditor and credit bureaus have failed to provide and verify these items for accuracy and unable to provide proof, as well as lacking proof of these payments being late.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED Acct # XXXX ] Thank you
Product: Checking or savings account

On XX/XX/XXXX, I deposited a {$9000.00} government issued check into my checking account. Upon depositing it, I was told by the teller all funds should be available the next day. After the teller deposited the check, I was told that the majority of the the check would be available the following day and the remainder would be available by that Friday, XX/XX/XXXX. I have a written receipt stating this breakdown. 

The following day after the deposit, however, XX/XX/XXXX, I login to my account to see that all funds wont be available until XX/XX/XXXX with the message that it is assumed that the government issued check would not be honored. Id like to mention that I have never had a returned check on this particular account and I maintain over {$6000.00} in direct deposits each month. 

Moreover, I had a payment pending for {$2500.00}, that had a online notice saying that it was a partial hold on the deposited funds to honor the payment that was pending. I login today, XX/XX/XXXX, and see that the payment was returned while my check is being held for two weeks to clear. 

Today I will be further researching and inquiring as to what next steps I should take, as this is the third time that Bank of America has placed excessive discriminatory holds on my accounts because any check I deposit, along with money orders, are determined by BOA to allegedly have a high likelihood of being returned. I am a XXXX, XXXX woman, who again never had any checks returned on this account and in total I have banked with Bank of America for over 20 years. I feel discriminated against, considering I live in a predominantly XXXX zip code with a majority of the per capita income below the national poverty line. In contrast, I deposited the check in a predominately White zip code branch location where the per capita income levels are some of the highest in the country. I also watched an older XXXX  man in line before me simply walk in and cash a {$12000.00} personally written check and my government issued check is being held for two weeks. The issuer has indicated that the check has already cleared, but Bank of America continues to not allow my funds to be available. The disparate handling of my account and treatment and lack of a response after I filed my initial complaint is troubling and distressing.
Product: Credit card or prepaid card

Chase solicited me for a new credit card offering a XXXX % balance transfer introductory rate. Nowhere on the front advertising or balance transfer steps did it note that a balance can not be transferred from a Chase account. I went to the website online rather than use the physical form to apply. Again it was not clearly stated that Chase transfers were precluded. When I attempted to enter the transfer account I did not receive a warning about the ineligibility of current chase balances, I received a warning asking me for the 3 digit cvv code on the card I had yet to receive. 
When I received the card I then received the warning chase balances were ineligible. 
I called chase and asked for either an exception or to have the account closed and removed from my credit as it would impact my score. They refused the exception and further stated any change in the reporting would need to be done through the bureaus. This was after I pointed out the advertising was deceptive and hiding these critical details in small print is at best shady. It also forces me to make efforts and plead my case to a third party to resolve the harm.
Product: Credit card or prepaid card

In XX/XX/2017, I purchased products from XXXX using a XXXX Credit card, after receiving my products an XXXX credit card was issued by Chase was open / issued to me without my authorization. 


I contacted XXXX / Chase at that time they canceled the card and closed the account with no money owed by me. 


On several occasions Chase have sent bills to me on this account that for # 1 ) I didn't authorized, # 2 ) that I NEVER used or OPENED. 


I sent numerous letters, but I'M continued to get a monthly bill on this authorized account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since viewing my credit report on XX/XX/22, I have noticed that the following credit reporting agencies have information listed on my consumer report not in accordance with the law : Experian. 

Experian has allowed multiple companies such as : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to all furnish late payments to my consumer report knowing it is a violation of federal law pursuant to 15 USC 1666b ( a ) and 15 USC 6821 ( a ) ( 2 ).
Product: Student loan

On XX/XX/XXXX I contacted Mohela to inquire about why the months of XXXX and XXXX ( XXXX ) are marked as ineligible payments towards Public Service Loan Forgiveness ( PSLF ). The agent I spoke to stated that it is due to being placed on Forbearance. I stated that I received a letter stated I was placed on " Administrative Forbearance '' and on my dash board it stated these would count towards PSLF qualifying payments. The agent stated I was actually placed on " Processing Forbearance '' and not actually " Administrative '' despite the fact I got a letter stating it was Administrative. I then informed the agent that I contacted them back in XXXX when I was first placed on this forbearance and requested to be taken off to which she responded she sees this on the notes but does not know why I was not taken off. I then told her that why was I placed on forbearance for that long when they were not processing anything she continuously gave me the run around stating that I was no longer on forbearance and can make two more payment which would count towards PSLF. I informed her that was incorrect due to not meeting the requirements of needing to be on a qualified IDR/ IBR plan. She reported that I did not need to be on XXXX and to go ahead and make these payments in XXXX and XXXX to meet the 120 qualifying payments. I asked the agent why was I denied for the IDR request and she reported that it was due to my income and family size, which is a mistake as another agent explained to me back in XXXX. I applied for income contingent repayment which did not have any limitations to income or family size. She then stated she is unsure. I told her that when I spoke to someone in XXXX they stated they would re-process the request but now it is just showing it got cancelled, even though my account on Student aid states it was approved. Mohela placed me on a standard payment plan instead of the payment plan I requested which they cancelled for no apparent reason. The agent stated she didn't know why it was cancelled and continued to tell me that from here on out I should not have any issues and if I make the last two payments I would be good and will meet the 120 PSLF qualifying payments to receive forgiveness. Had they not deceived me or processed my request to be taken off this forbearance I would have already met the 120 qualifying payments. I have proof of letters, screen shots of my dashboards and a recording from our conversation yesterday stating all the misinformation I received. I have worked hard to meet these sturn requirements just to be misinformed and cheated on when these could have been fixed on their end due to their own mistakes.
Product: Money transfer, virtual currency, or money service

I quick paid {$4000.00} to partner through Chase but it turned out that his info still had his old phone number. I quickly called Chase to let them know and I was told that they were going to take care of the issue but two weeks later I got a letter from Chase saying that there was no further action to take and the case was closed by Chase. Now, my money is lost and I don't even know the person that I sent the money. I tried to call, text, request the money back but I have not received any response. The money was on account pending for three days and Chase did not do anything to stop the transfer. 

Also, I went to Chase branch and of the representative there told me that the money was going to be deposited into XXXX. 


The transfer took place XXXX Called Chase the same day XXXX Letter received from Chase closing my case XXXX
Product: Debt collection

I am writing to formally dispute the balance you claim I owe related to account balance. The stated balance appears incorrect, and I have not received any evidence or documentation to support the charges for damages. I believe the charges may be erroneous, and without proper evidence, I am not liable for the alleged balance. I request that any collection activity be halted and any negative credit reporting be corrected until this matter is resolved.
Product: Credit reporting or other personal consumer reports

ACCORDING To Fair Credit Act Section XXXX Say You Have The Right To Dispute Any Inaccurate Information From Your Credit Report on XX/XX/year> A Dispute Form Was Send Here Is The Tracking # XXXX company is violating my consumer right to privacy pursuant XXXX XXXX Reporting 120 Day Late On My Credit Report Violating The Act Reporting Protocol Starting XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that some accounts on my consumer report be investigated. I sent letters to the three major credit reporting agencies requesting these accounts be investigated and the investigation took well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act 15 U.S.C. 1681b I am the natural person consumer in original creditor.

I am invoking my specified remedy as a consumer in the original creditor and I demand your company to remove and delete all negatives/ collections from My Consumer Report.

Your company is governed by the Fair Credit Reporting Act and must abide by the laws set forth in 15 USC 1681b permissible purpose of consumer reports.

( A ) subject to subsection C, any consumer reporting agency May furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the court order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with Section 5318 of Title 31 or section 3486 of Title 18.

( 2 ) and of course with the written instructions of the consumer to whom it relates.

This proves I am the consumer in original creditor and I have not given my written instructions to your company to furnish any information on my consumer reports and I demand a full removal and deletion of all negative accounts. I know my rights as a consumer and your company is in violation of my right to privacy. Failure to respond satisfactory with deletion will result in legal action against your company for which I will be seeking {$1000.00} per violation.

I am the consumer and I have a right to privacy and my Consumer Report is not public record. As well the fcra makes it clear your company can not furnish public information without my written instruction. I demand you stop infringing on my right to privacy
Product: Debt collection

THE COMPANY ARS ACCOUNT RESOLUTIONS, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 169XXXX ( A ) ( XXXX ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( XXXX ) ( XXXX ) ( XXXX ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
Product: Checking or savings account

On XX/XX/XXXX I had {$70.00} dollars taken out of my Pay/Pal account, I had the card locked so that wouldn't happen. Then on XXXX XXXX i had {$290.00} removed from my account both times by the same person. Both times the card was locked. I filed a dispute on both of them with Pay/Pal. They said I authotized it. I don't know this person never met or heard of them. Don't how they got my money other than Pay/Pal giving it to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Control Corps broke several of laws reporting a collection on my credit report did not notify me before reporting., violated my Hippo rights and there things they should not know about my medical records..I didnt give written permission to put anything on my credit report and demand removal I have a call log of all the calls I tried to reach out to this company to talk to a supervisor I ask 9 times I havent got a call back and they hung up on me I left several messages no return calls this is my credit report my life there has damage Finacial I just close on a house and this cause me to pay XXXX more because this collection that was done with improper protocol.. collection debt is {$3900.00} credit Control Corporation