23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was offered a job interview with XXXX XXXX, a XXXX company. The interview was scheduled to be taken on the XXXX app ( which later I identified was used as it allows to Delete messages from the sender as well as receiver 's end ). My interview was completed by XXXX XXXX XXXX on the XXXX app via text messaging and I was offered a job on XX/XX/2022 by XXXX ( XXXX ). I had asked for three weeks before starting the new job. As per their requirements, they were supposed to send me a check for buying remote work-related equipment. I received the check by XXXX  package by XXXX XXXX and asked to communicate on XXXX. I had been communicating with both XXXX XXXX and XXXX. Once the amount was cleared by Bank of America on XX/XX/2022, and was reflected as deposited in my account balance. They asked to me to transfer {$1000.00} through XXXX from my bank account to XXXX ( XXXX ), their equipment delivery contractor who would be sending me equipment at my residential address. Once I sent screenshots of the transfer and payment confirmation, I was asked to transfer the remaining {$800.00} to her again. When asked why was the whole amount not transferred to her, I was told sometimes employees have a minimum {$1000.00} limit which leads to rejection, after which I transferred and sent the confirmation of the payment on XX/XX/2022 night. Today, on XX/XX/2022 I received an alert from Bank of America that my account balance is below {$0.00}. After checking, the check deposited was put ON HOLD as it was a fake check and scam. After trying to contact the manager XXXX XXXX, he deleted all the messages from the XXXX app and mentioned it is a fake contract. He also texted if I contact him, he will hack my bank account. I immediately contacted Bank of America, after 4 hours of waiting and talking to merely 2 people and repeating the story, Bank of America did not help me to dispute a transaction or cancel the transaction. They transferred me to XXXX who after 1 hour got connected and took my details and gave me a Case Number. They said they will try to get money from Bank of America as I have no money in my account, but they can not say anything. I reported to the local police officer, who was kind enough to take all details and screenshots and provide me with a case number. I would like to alert other people and the official company being used for this fraud.
Product: Checking or savings account

XX/XX/scrub>XX/XX/XXXX - Initiated transfer of account balance due to current offerings of Marcus changing and no longer being happy with Marcus. Looked to move our savings

elsewhere.XX/XX/XXXX - Transfer reversed and account locked/frozen.
Was told by Marcus XXXX that I just needed to verify that I was the account owner and that I was the one who initiated the transaction. Was then advised that I just needed to transfer the money to an already connected account and not a

new account. XX/XX/XXXX- Initiated Transfer
to an already established funding account of the entire balance as I was advised by the Marcus XXXX.

XX/XX/XXXX - Transfer reversed and account locked/frozen. Was told by another Marcus XXXX that even though I had verified initial request onXX/XX/XXXX that I needed to re-verify and then was told to break up the transaction to two established funding accounts and not one large money movement to one funding account.XX/XX/XXXX - Initiated phone call for account closure due to this entire week long ordeal. Final money movement was initiated by an XXXX XXXX XXXX for Marcus of the account balance to an established funding account that has been on the account since creation. During this conversation I was asked what my savings goals were and what my intent was for the account because Marcus likes account holders to keep money in there for long term goals/plans. This made it sound like my money was being held hostage just so Marcus could keep the account and was not going to give me access or the ability to move my money how I see fit. After this it only made the decision to leave Marcus sound even better.

XX/XX/XXXX - Transaction initiated by Marcus XXXX was reversed, account locked/put on hold. Once again because of the large money movement I needed to verify that I was the one who initiated the transfer ( even though I went through the verification process with the XXXX XXXX XXXX ) and was once again asked what my goals/plans were with the Marcus account because the savings accounts are supposed to be for big financial goals or savings.

This is now a week long back and forth answering the same questions/verifications. I dont have access to my money with Marcus as they keep holding it to keep it in their own accounts. I want to be done with them and I want my money transferred out. Ive never had such a horrible experience with a banking company. This has been horrible. I cant even move my money if I initiate the transfer on the phone with one of their own employees without it getting reversed. What if I needed this money for a true emergency? Savings accounts are used as an emergency fund for millions of people. Even if the account was open a short period of time things happen to where people need access to their money no matter the duration of the account existing.
Product: Student loan

Discover loan company has been manipulated to report to XXXX XXXX Credit  report company. 
Every year Discover loan company reports wrong information to XXXX XXXX. 
Last year, delinquent date was XXXX, XXXX and I was told it will be removed in XXXX. 
I have called XXXX XXXX and they say that Discover loan company has reported *delinquent date wad XX/XX/XXXX so it will be removed in XXXX. 

Every year Discover loan company reports 1 year behind so it will be stayed in my credit report forever. 

" There are statutes of limitations for private student loans.Each state sets its own limits on how long a collector has to sue a debtor. Those limits range from three to 10 years. 
Pennsylvania is 4 years. 

I would like to report their manipulation and lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts reporting on my credit file does not belong to me and I'm demanding that these accounts be blocked. If you as the reporting company can not provide me with physical documentation of a signed contract in regards to these accounts then you must remove them in accordance with the FCRA laws.., these accounts shall be blocked, 1 ) XXXX XXXX {$820.00} 2 ) XXXX XXXX {$670.00} 3 ) XXXX XXXX {$120.00} 4 ) XXXX XXXX XXXX 5 ) XXXX  XXXX   XXXX - XXXX XXXX. XXXX 6 ) XXXX   XXXX XXXX - XXXX XXXX, XXXX
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 
We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Mortgage

Residential Credit Solutions , Inc. acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and illegally foreclosed on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of XXXX law is based on RCS improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition RCS denied me help several times and i never got a single person to answer my questions honestly or directly. RCS Mortgage illegally commenced and conducted an illegal foreclosure without offered any workout relief options for me. They have clearly violated XXXX specifically under the " dual tracking '' clause. RCS instructed and allowed the foreclosure trustee named XXXX o illegally foreclose on my property. there was no reason why RCS should have denied my request or conducted a the illegal foreclosure.
Product: Credit reporting or other personal consumer reports

Complaint : I am filing this complaint against XXXX, Equifax, and XXXX for failing to properly investigate my disputes regarding inaccurate information on my credit reports. Despite providing substantial evidence that the data being reported for the same account is inconsistent among the three credit bureaus, the inaccuracies persist.

Details of the Complaint : Dispute Investigation Failure : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation of any disputes made by consumers regarding the accuracy of information on their credit reports. Despite submitting disputes to XXXX, Equifax, and XXXX, these agencies have failed to properly investigate and correct the inaccuracies reported.

Inconsistent Reporting : I have attached documents that clearly show discrepancies in the reporting of the same account among the three credit bureaus. These documents prove that the account is being inaccurately reported, yet no corrective action has been taken by the credit reporting agencies.

Violations : 15 U.S.C. 1681i ( a ) - Failure to Conduct a Reasonable Investigation : By not properly investigating my disputes, XXXX, Equifax, and XXXX have violated their obligations under the FCRA. A reasonable investigation should have revealed the discrepancies and led to the correction of the inaccurate information.

15 U.S.C. 1681e ( b ) - Failure to Maintain Accurate Records : The credit bureaus are also required under the FCRA to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The discrepancies in the reporting of the same account indicate a failure to maintain accurate records.

Attachments : Document 1,2, and 3 : Comparison of account information as reported by XXXX, Equifax, and XXXX, highlighting the inconsistencies.

Document 4 : Correspondence and evidence submitted during the dispute process to each of the credit bureaus.

Document 5 : Responses ( or lack thereof ) from XXXX, Equifax, and XXXX to my disputes.
Product: Credit reporting

I had collections that I paid with this debt collector. They then said that I was responsible for my husbands accounts with them. I told them no because they were not mine. They reported to the credit bureau that they were mine and that I had created the debts. I called the credit bureau/equifax and asked and they said absolutely not, they ca n't do that. I disputed the debt twice and the agency is still reporting that the debt is mine. The accounts # and dates for this is the same as the collections on my husbands. They were not joint accounts and we both do n't go to the emergency room on the same dates. The credit reporting agency still keeps saying I have to pay it and keeps reporting this as bad credit. Equifax did not do enough to prove that this was not my debt and it was done maliciously.
Product: Credit card

Macy 's credit card charged me a late fee for no reason at all. I used Macy 's credit card to purchase some merchandise. I paid the balance in the previous cycle. During this current cycle, I returned merchandise and received refunded. Macy 's insisted that I have to pay the full amount of previous balance in light of XXXX of dollars of refunds. 

it charged me {$27.00} late fee for XXXX balance.
Product: Credit reporting or other personal consumer reports

I ws a victim of XXXX and my accounts ( closed, delenquent and collection status ) were overtaken by XXXX from the criminals that had influence over my finances after XX/XX/XXXX and through XXXX XXXX I sent them a letter in compliance with their rules reguarding XXXXXXXX XXXX victims. 

They have not responded to that specific claim of account being stolen and reported information as accurate. I have tried to resolve this several times. 

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 card or prepaid card

I asked for two card replacements because on the first one I never received my card on XXXX XXXX  th so I called about it on the XXXX XXXX of XXXX  and told them that I also was receiving emails saying that my XXXX  card was being used so I told them that my money was being used with my permission and they told me that I would receive a provisional credit 10 days from that date for XXXX XXXX XXXX XXXX, but I have not had that issued yet ! I get hung up on every time I call about it
Product: Student loan

I attended XXXX XXXX XXXX, in XXXX to XXXX due to college shutdown of fraudulent and scams, and lawsuit, school was closed, I received a email from fed loan servcing on behalf of XXXX XXXX chief operator advising loan discharge due to breaks code laws
Product: Student loan

On XX/XX/2022 I submitted a my annual employer certification form for Public Service Loan Forgiveness form FedLoan Servicing to update the counts towards loan forgiveness on my student loan account. Having not received any feedback or status update on the submitted employer certification form, I called FedLoan Servicing in XX/XX/2022 to determine what is the status of my employer certification and updated counts. I was told by a customer representative that they are unable to provide me any feedback on where in the certification process is my employer certification form because they have a backlog and it may take " several months '' to get to my application. I was advised to follow-up " in a few weeks. '' I followed-up with FedLoan in XX/XX/2022 and on XX/XX/2022. On both occasions I was told that FedLoan has a large backlog of applications they are working through and as such it may take several months to process my application. On both occasions I asked where in the certification process is my application and the customer service representatives noted that they can not provide me with that information. 

On XX/XX/2022, the customer service representative I spoke with ( name : XXXX XXXX asked whether I would like to be transferred to the PSLF department at which point I answered " Yes. '' I also asked XXXX for the direct number to the PSLF department and was told there is no direct number and I need to call the main FedLoan number and ask to be transferred to the PSLF department, if needed. After being transferred to the PSLF department I received a voicemail message noting that they are busy and I would need to wait 20mins for my call to be received. I opted for a call back. It has been more than an hour and I have not received a call back from the PSLF department. 

I am submitting this complaint because at this point it is egregious to have 20 loan payments not accurately reflected in my count towards loan forgiveness and consequently time being added to how long I can wait to apply for forgiveness, although I am employed by an eligible employer ( not-for-profit organization ). Each year I have submitted my employer certification and verified my income to be able to receive accurate counts towards forgiveness yet FedLoan is essentially forcing individuals extend the life of their loans by not updating borrowers ' payment counts.
Product: Mortgage

I have a conventional mortgage with Suntrust bank originated at 90 % LTV requiring PMI at {$100.00} per month. I recast my mortgage with Suntrust bank by making a one time payment that brought my LTV ratio to 45 %. Suntrust did not automatically remove my PMI as required by 12 USC 4902 ( d, e, & f ) and continued to charge PMI. 

Suntrust responded to my original complaint that my PMI dates are valid as in my original loan documents and refused to refund the erroneously collected PMI payments, but Suntrust was required to recalculate the PMI dates. 
I was told by a customer service representative that the loan modification dept does not notify the PMI dept in instances of a loan recast so the dates are not automatically recalculated by the mortgagor. 
This seems to be in violation of federal law and would indicate a systemic problem with the way the mortgagor services loans. 

A recast is by definition, a loan modification of the payment terms. 

Suntrust was required by law to recalculate all dates associated with PMI termination as set forth in 12 U.S.C. This recalculation of dates was not completed in violation of 12 U.S.C. Suntrust did not follow the HPA requirements as set forth in 12 U.S.C. United States Code, 2017 Edition Title 12 - BANKS AND BANKING CHAPTER 49 - HOMEOWNERS PROTECTION Sec. 4902 - Termination of private mortgage insurance ( d ) Treatment of loan modifications If a mortgagor and mortgagee ( or holder of the mortgage ) agree to a modification of the terms or conditions of a loan pursuant to a residential mortgage transaction, the cancellation date, termination date, or final termination shall be recalculated to reflect the modified terms and conditions of such loan. 

Suntrust did not recalculate the dates as required by federal law which would have immediately caused the mortgagor to terminate the PMI upon executing the loan recast.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that my credit report was ran without my consent on XX/XX/XXXX by  SYNCB/XXXX and on XX/XX/XXXX by SYNCB/AMAZON. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report.
Product: Credit reporting or other personal consumer reports

I've noticed that on my credit report it says i have late payments and that's incorrect. and with further notice of reviewing my report that everything is wrong I do my best with paying my bills and I demand that this be fixed and updated due to their inaccuracies I'm. being penalized. XXXX XXXX XXXX, account number XXXX. I'm requesting a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of the payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time because I'm keeping my end of the bargain. please look at the fact that my payments are not being recorded as it should be, and my dollar amount has gone up not down after each payment.
Product: Credit card or prepaid card

HI I a freshman student trying to build credit score I applied for discover credit card in XXXX end, after receiving the card while I was trying to activate the card I was told that my account was closed and I need to get rid of the card and reapply again.The reason they provided me for my card cancellation is that they asked me for some tax return documents which I do not have since I am a freshman. It has been 3 months since I try to apply every 10-15 days but I can not do so. And after having a word with the company several times I was told that there is nothing they can do. Also, due to this reason I am not able to apply for any credit cards available in the USA.
Product: Credit card or prepaid card

Credit Card : REI Co-op MasterCard Issued and administered by " US Bank '' XXXX. XXXX  XXXX XXXX XXXX, MO XXXX WebSite : https : //onlinebanking.usbank.com/Auth/Login Phone Number:XXXX Approximately two years ago we signed up for " REI Co-op '' MasterCard. The credit card is issued and the account is administered by US Bank ( Address : XXXX XXXX XXXX, XXXX XXXX, MO XXXX ). Almost immediately we noted problems with the billing services : the bank would NOT send a monthly statement, then add penalties, interest and fees to the next statement. This practice continues despite a number of complaints. The last conversation over the telephone with the " supervisor '' ( identified as " XXXX '' ) took place about 20 minutes ago. This time, despite the fact that we paid the complete outstanding amount of the bill, no statement confirming the payment was issued by US Bank, so I ended up spending inordinate amount of time waiting on hold to confirm that we are indeed up to date and I that do not need to make another ( duplicate ) payment. This attempt on the part of the bank to collect fees, interest, and duplicate payments because of duplicitous billing practices should be known to regulatory agencies and banking customers who consider doing business with REI Co-op and US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX Name of original agency : XXXX XXXX Name of collection agency : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

The debt is with XXXX XXXX XXXX now being held by Midland. The original credit was balance was XXXX. XXXX refused to let me close the account when the interest reached about XXXX. Now it a little over XXXX. Midland is suing me.