23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed an application with Bank of America for forbearance for illness and unemployed or loan modification but Bank of America has been giving me the runaround since  XXXX   XXXX ,   XXXX  .     I am sick and was laid of because of my sickness. I informed Bank of America that I am sick and was laid off as a result and that I am finding it difficult to pay the mortgage as I am no longer working because of my illness. They sent my documents to fill for forbearance for illness or unemployment or for loan modification. I filled the documents and went to Bank of America branch office in  XXXX , Maryland and had t he manager  faxed the documents to   the Loan Modification office. On the same day, I also uploaded the documents to Bank of America site.      Bank of America has been playing deliberate delaying tactics. I have sent in documents earlier on multiple times, both by uploading the documents to Bank of America website and at the same time having the documents faxed to them at Bank of America branch offices but they come back after a m onth or two to sa y that they have not received all the documents while the documents can be seen on their site.     Some of the tactics being used by Bank of America is claiming that documents were incomplete or documents were missing when in fact they were not ( I would logon to their Loan Modification site and I would see all the documents received and updated on the site ) or claiming the file was under review then I would out later that it was not under review.     A month ago, they sent me a foreclosure letter. When I called to ask them what is going on with the foreclosure letter they stated that they have not received all my documents that why they have initiated a foreclosure procedure. When I pointed it out to them that the last time I talked to somebody at Bank of  America the Rep confirmed to me that they have received all my documents and that as a matter of fact I can see all the documents I uploaded still showing on their website. The Rep ne xt response was that my documents have expired and that I have to resubmit fresh documents. So now, they have for forced me to restart the modification/forbearance process all over again. Even after restarting new process they playing the same tactics of documents being incomplete when they are not. And last  XXXX  when I called to check on the status I was told they need my bank statement and tax reports, which they already have and in addition to that now they are saying they need receipts for my expense for grocery, laundry, grass mowing payments etc. when I dont know anybody keeping their past grocery, laundry, mowing receipts around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting info about the following accounts past the two year period The accounts are as follows : XXXX Schedule Removal Date - XX/XX/2019 XXXX scheduled Removal Date - XX/XX/2019 XX/XX/2019
Product: Checking or savings account

I deposited a paper paycheck through the Chime app on XX/XX/year> with a total of {$950.00}. That same day they only gave me {$200.00} of the total {$950.00} and are now insisting that I wait almost a whole other week to get the last {$750.00} of it on XX/XX/XXXX at XXXX. When I called they said they couldn't do anything about it because the check was already accepted and it was their system that decided how long the hold is. I get payed bi-weekly so adding in that extra week they insist on hold my paycheck I'll have had basically no money and the inability to pay my rent for two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion credit reporting has violated my privacy rights 15 U.S.C 1681 section 602a states that i have the right to privacy U.S.C. 1681 section604a scetion 2 states that a consumer reporting agency can not furnish an account or my personal information without my written or verbal consent i did not give transunion nor the following companies consent to furnish information, after multiple attempts transunion ignores my request for debt validation so i can follow up with compaines. these are not my accounts and need to be removed asap 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX inquiries_ 1 ) XXXX XXXX 2 ) dept of education 3 ) XXXX  4 ) XXXX XXXX  XXXX  ) XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX  8 ) XXXX 9 ) XXXX 10 ) XXXX  11 ) XXXX 12 ) XXXX 13 ) XXXX 14 ) XXXX 15 ) XXXX 16 ) XXXXXXXX XXXX XXXX 17 ) XXXX XXXX 18 ) XXXX XXXX 19 ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmation # XXXX, is reporting the following addresses, inquiries, name and employer fraudently XXXX : XXXX. XXXX XXXXXXXX XXXX  dated XXXX XXXX, 2022 Names : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX XXXX  XXXX XXXX Address : XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

I have moved to another country in 2009, and confirmed XXXX 2009 is the last time I used the credit card, which is free of annual fee. I have confirmation that I settled the payment and I have not received any new statement/balance throughout the years. My old landlord has informed me that a debt collection company has mailed me with a debt of {$610.00} which I am certain is not mine. I do n't know if it was identity theft or not, I tried to contact them but could n't. they do n't have any of my numbers as I cancelled all my old phones already.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX XXXX XXXX
Product: Checking or savings account

I received a mailer at my home from KeyBank offering {$400.00} bonus to open a checking account and deposit {$500.00}. I opened the account and deposited {$500.00} via Keybank 's website on XX/XX/XXXX, and I entered the offer code on my mailer at that time. I have not yet received my bonus. I called and emailed and was told that the offer code was not on my account, and I needed to visit a branch to get the offer code added to my account. I visited a branch ( XXXX XXXX XXXX XXXX, XXXX, PA XXXX ) on Friday XX/XX/XXXX and the banker added the information to my account. She told me she would call me in a few days with an update. She took a copy of the mailer and my driver 's license to make sure the name matched. She also said that some of the mailers require a direct deposit to satisfy the bonus, but she noted that mine did not. I still haven't heard from her.

I followed up by online message to Keybank on Thursday XX/XX/XXXX to ask when will I receive my bonus. Under the terms of the offer, it was supposed to be within 90 days of account opening, so I should have received the bonus by XXXX. Also, If I had received the bonus then, I would not have been hit with an inactive account fee on XXXX, because the bonus would have counted as account activity. 
XXXX at KeyBank responded to my secure message on XX/XX/XXXX to say " I have reviewed your account at length and I am sorry to say that I do not see that the offer code was added to your account. Since the offer code was not on your account, you are not eligible for the offer. We are not able to add the code and make the offer available to you at this time, as the 60 day window to qualify for the offer has closed. I understand that this is not the answer you were looking for and I do apologize. It is important to know that our promotions do have strict guidelines that we must abide to. Please know that we are unable to make exceptions when qualifications for a promotion are not met, via email, chat or phone request. If you wish to see if an exception can be made on your account, it would be necessary to contact your local KeyBank branch for further assistance. '' This seems blatantly unfair. I received an offer in the mail, I complied with the terms of the offer, and now KeyBank is refusing to honor it, claiming that " you are not eligible fro the offer. '' It's not my fault if their website doesn't work. I wonder how many other consumers received mailers like me and are now having to fight to get the bonus they were promised. 
I have been paying monthly fees to have this checking account, which I never would have opened if not for this bonus offer.
Product: Debt collection

I turned in the cable box cords, the Wi-Fi box, and all the cords to XXXX. I have the receipts. I turned it in to the XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX helped me. The store manager is XXXX XXXX XXXX he was there when I turned in the boxes. I got a letter from Sunrise Credit for {$59.00}. They can not tell me what equipment charge I owe, just that I need to pay. The lady who assisted me was XXXX. They are demanding money for something that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX account # : XXXX, dont have a balance of {$230.00}. I currently have a balance of {$0.00}, My XXXX DC # : XXXX, dont have a balance of {$290.00}. I currently have a balance of {$0.00}. The following credit inquiries are fraudulent, unauthorized and not mine : XXXX XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an issue of utmost importance concerning the unauthorized release of my student loan information by XXXX XXXX to third-party credit bureaus XXXX XXXX XXXX Experian, and XXXX. This act not only constitutes a blatant violation of the Family Educational Rights and Privacy Act ( XXXX ) of 1974 but also a breach of Title 20 U.S.C. Section 1232g ( b ). I obtained a copy of my credit report which included entries reflecting student loan information that should have been protected under FERPA. XXXX XXXX, disclosed my personal student loan data to the aforementioned credit bureaus, which is a clear breach of my rights as a student under FERPA. This release of information has had a significantly negative impact on my creditworthiness and financial standing.

FERPA, enacted in 1974, protects the privacy of student education records, including financial aid records. Title 20 U.S.C. Section 1232g ( b ), known as the " Buckley Amendment, '' explicitly prohibits the disclosure of these records.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX XXXX, IN XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 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.
Product: Money transfer, virtual currency, or money service

When I checked my Navy Federal Credit Union account  on XX/XX/2023, {$7500.00} was gone from my account. I noticed XXXX transfers of {$3300.00} and {$4100.00} that were recorded on XX/XX/2023. I was not an active  participant in either of these transfers. All transactions that occurred on XX/XX/2023 were done without my knowledge nor consent. I also noticed a XXXX  account which was the recipient of the scam money. The exact name of the scam  account is XXXX XXXX XXXX. The checking  number of the scam account is XXXX. This account should be frozen and investigated for online scams  and possible hacking. At least {$7500.00} should be reversed from the Navy Federal Credit Union account XXXX. The most likely physical address of the scammer is XXXX XXXX XXXX XXXXXXXX XXXX SC XXXXXXXX. XXXXXXXX XXXX XXXXXXXX of the same street are other likely addresses.
Product: Mortgage

I am contacting your office to formally appeal the denial of the modification request for the property located at XXXX XXXX XXXX XXXX XXXX XXXX, CA. <P/>I received a written denial from Shellpoint based on NPV calculations that stated that I did not qualify for help. However, there were multiple errors made by Shellpoint in the data that was used to evaluate my request. These requests relate to the income used, as well as the appraised value that was listed on the form. These are obviously two MAJOR determining factors and the incorrect information used to conduct this evaluation renders the entire underwriting decision moot. <P/>Error # 1 : The file that was submitted in XX/XX/XXXX 2017 showed a significant change in financial circumstances and based on this, my monthly income average was {$35000.00} which is significantly HIGHER than the figure of {$25000.00} that was used in Shellpoint 's evaluation. <P/>Additionally, the property value that was used in their evaluation was listed as {$3.00} million dollars. However, I have correspondence from Shellpoint ( attached ) that clearly states that on XX/XX/XXXX Shellpoint acknowledged that the current property value was XXXX XXXX dollars. Now their appraiser and Shellpoint is attempting to state that the appraised value of this property increased over 1 million dollars in two months time. Not only is this inaccurate, it is mortgage fraud. <P/>It seems that Shellpoint is changing the rules of the game as we go and then hiding behind negative NPV as a reason for denial. They have changed the value of the property 3 times and over a million dollars each time. They have used inaccurate and outdated income figures to determine if I qualify for any assistance programs or plans. I understand there is a large delinquency but I deserve a fair and accurate review based on the information presented, not based on whatever value Shellpoint decides to use to back up their assertions. I thought that it was no illegal for appraisers to grossly inflate values in order to please the lender, yet it is obvious that is what is going on here
Product: Credit reporting or other personal consumer reports

For the record Affiant WELLS FARGO HOME MORTGAGE has repeatedly failed to comply and produce supporting documents of their fraudulent claim Below I have attached addition evidence of my correspondence with this corporation / agency citing laws, and questions that Wells Fargo Home Mortgage is required to by law to answer and comply with and they continue to show complete disregard for the law and their policy. Continue to harass and violate consumers rights Pursuant 15 U.S.C. 1692g without providing evidence of a lawful and enforceable contract Pursuant 15 U.S.C 1681i ( a ) ( 5 ) ( A ) Wells Fargo Home Mortgage and agent known as " XXXX '' has not validated the alleged debt/mortgage well over the ( XXXX ) day since the first dispute I have reserved my rights to amend the contract and found that the contract was not valid to begin with. 
Pursuant 15 U.S.C. 1692e ( B ) Any accuracy must be removed immediately Therefore because there is now lawful valid contract I lawfully demand this to be corrected from my consumer report in accordance with the law and the FDCPA Pursuant 18 USC 8 and according to XXXX XXXX there is no debt and I demand for the account to be discharge in full and all alleged late payments be deleted I have the right to sue for this fraud, defamation of character, violation of rights, deprivation of rights and this report/complaint is evidence.
Product: Debt collection

I have put in numerous complaints with Ad Astra and they are still unable to satisfactorily verify that the 2 debts that they are alleging that I owe them. I have not asked for validation but for verification. 

The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. 

This statement means There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. 

Ad Astra has failed to send me a contract between myself and a representative of their company so therefore this is not legally my debt. If I have to sue for legal damages then I am willing to do so because what 's going on is illegal as stated by the law Please do not send the same contracts that you all have been sending, I need to see a drawn up contract from Ad Astra with myself and an Ad Astra representative physically in the document.
Product: Consumer Loan

Mercedes Benz placed incorrect lates in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX payment was made XXXX/XXXX/XXXX. XXXX payment made XXXX/XXXX/XXXX. XXXX payment made XXXX/XXXX/XXXX. XXXX payment XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed some Transactions posted on my consumer report that is excluded my federal laws to my consumer reports! : XXXX  XXXX XXXX  account # XXXX Reporting this late payyment from XXXX XXXX XXXX  is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.

Except as provided in parragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the personmaking the report ; On XX/XX/year> you reported transactions from to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet youare reporting this information to my consumer reports! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2compliance disclosure on reporting transactions to a consumer reporting agency. 
I demand the transactions reported on XX/XX/year> be Deleted from my consumer reports effective immediately. 
Now before you thinkk to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I need the above transactions deleted from my consumer reports!
Product: Student loan

XXXX  XXXX was not my original servicer, XXXX XXXX   was. I believe consolidated my loans in XX/XX/XXXX to pursue the public service loan forgiveness ( " PSLF '' ). I have been working in XXXX XXXX since XX/XX/XXXX. When I submit my annual certification for PLSF, XXXX XXXX is not counting my public service while XXXX XXXX was the servicer. I have called XXXX XXXX two times and tried to resolve this. Both times, the agent went back into the XXXX XXXX profile and saw my payments made under XXXX XXXX, but before they credited those monthly payments, they disconnected the phone and did not call me back. Each of these calls took about 45 minutes, and that was my whole lunch break, so I could not call back. On XX/XX/XXXX, I wrote a letter to XXXX   XXXX regarding this, and I have received no response back. I would like XXXX XXXX to properly credit my monthly payments made while working in public service. 

Another issue is that for years, XXXX XXXX and XXXX XXXX refused to send the applications out for loan recertification. After I would call and beg for the applications and supposedly get sent the applications in the mail, which I never received, and then begged for the sites for the applications, I would always send in my applications on time. But it would take these servicers a ridiculous amount of time to " process '' what my new payment amount would be. Because they didn't know what my new annual payment was going to be, I had the option of making a full standard payment, which was basically all my earnings for a month, or going on forbearance, and not having that month count toward my PSLF. This is also an unfair practice, when the rubric for calculating a monthly payment is so simple and completely in control of the servicer. XXXX XXXX has since changed this, requiring documents to be sent in sooner, so they could process the new payment amounts by XX/XX/XXXX or so, but I believe those months spent working in public service and having to go on forbearance because the servicers couldn't properly process the payments on a timely application should also be counted towards my 120 payment total. This happened for four years, resulting in 4 months less counted. If they did this for 10 years, it would take just about a whole extra year to achieve forgiveness, which is not fair.
Product: Debt collection

Yes I have been the victim of identity fraud I have been going through this I have us cellular but someone has fraudulently opened a XXXX XXXX XXXX account under XXXX and thats not how you spell my name I dont a thing through XXXX but I dont think the person on the phone that put the info down put it down right because its still on my account I have had to dispute a XXXX XXXX XXXX account before and 2 credit card accounts because it was fraud and I have had a fraud alert on my account for 2 years and they are suppose to call my number before they open and account and they keep letting them fraud my account and it brings my credit score down and thats very upsetting