23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am disputing my Bank of America HELOC loan ACCOUNT # XXXX. 

Bank of America Home Loans has notified me multiple times that my HELOC mortgage is at a zero balance. Multiple times they have offered to mail me a paid in full letter and release of lien letter. I have written correspondence dated XX/XX/2016, from Bank of America XXXX Home Equity Line of Credit servicing company, stipulating the following : If you have a second mortgage Once your first mortgage is permanently modified under HAMP, a second mortgage on the same property may be eligible for a modification under the Second Lien Modification Program ( 2MP ). 

My lender advised me numerous times that my HELOC had a XXXX balance and had been charged off and that my debt on the referenced account was eligible under the United States Treasury 2MP guidelines for a full extinguishment of my HELOC loan. 

I have been misled, decided, and discriminated by Bank of America.
Product: Student loan

This is a follow-up to my previous complaint ( XXXX ). My IDR Application has still not been processed. I have had to call Mohela, waiting on hold for hours each time, every 60 days since XXXX of XX/XX/XXXX to have my forbearance renewed, despite the information provided by the studentaid.gov site stating that I should have been placed on the same forbearance as those enrolled in SAVE after the first 60 days had passed. 

On XX/XX/2024 and again on XX/XX/2024, I received an electronic document from Mohela stating that they had been directed by the Department of Education to place my loans in a general forbearance due to the SAVE litigation. There was no end date for this forbearance given on either letter, and every source I can find indicates that this forbearance is not scheduled to end in the near future. However, the day after the second letter, XX/XX/2024, I received a billing statement, due on XX/XX/2024. 

My most recent forbearance ended on XX/XX/2024, the day before my payment was due according to the statement I received on XX/XX/2024. I have previously waited for hours on hold on the day my forbearance was due to end, only to be told that they can not put me in forbearance again until the current one has already ended, meaning I would have had to call on my payment due date to get a forbearance. This was impossible, however, as my due date was on a Saturday, and I could not attempt to reach anyone until the following Tuesday, due to the federal holiday. 

If Mohela had processed my IDR application within the expected timeframe of 60 days, I would not have had to deal with any of these problems. Because they did not, I have had to deal with a constant source of stress and invested numerous hours in trying to avoid having my loans go into default.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX acount # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX acount # XXXX has violated my rights. 15 USC 1681 Section 602A says I have a right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit card

I did not authorized credit application from Chase Bank this is the second fraud that I have received a hard inquiry again with this company and they stated it will take 90 days to remedy. The first breach is on XX/XX/XXXX and the second is on XX/XX/XXXX. I'm told by chase fraud this is a chase freedom account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports I noticed that you are alleging that the following accounts are Charge off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

So Ive been using Chime for years. Ive used them for my past two jobs and Ive never had to wait this long for a direct deposit to come.

At my current employer I switched to chime two weeks ago and I have yet to receive my paycheck ( I get paid weekly ). My payday is Friday and early access allows you to get your pay Wednesday. Im not complaining about not getting it early Im worried about not receiving my money at all. Ive contacted them and they keep telling me that they received the request from my employer but they cant see the amount and they dont know when the funds will come. Ive tried to talk to a supervisor and they couldnt help either. All I want is for my money to be deposited into my account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) has violated several of my rights 15 U.S.C. 1681 Section 602 A. Clearly state that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Checking or savings account

Huntington Bank checking account was opened online XX/XX/21
Product: Credit card or prepaid card

My account was frozen back in XXXX of XXXX. They froze my account with {$1600.00} and have refused since then to release my funds. I have over 70 tickets with venmo regarding this matter of which maybe only half have been answered. I have filed with the XXXX in which Paypal, who owns Venmo, responded and said my funds would not be released due to strict violations of their policies. I then emailed PayPal and got an email after 3 years of asking why and they stated I had committed fraud and suspicious activity on their app. I have read Venmos policies and it states funds can be held up to 180 days. Venmo has flat out told me I will not get my funds back and that they can hold my funds for however they want to. They cause damages and defamation of character accusing someone of something without explanation as to why, which they also states they do not have to do. Venmo bends their contract to the current situation which in turn means it really isnt a contract if it can change under sole discretion. Many, many people have had their accounts frozen and had their funds held for things as simple as sending birthday money and Venmo does not have to offer a reason why and then gets away with just keeping the money. 

**Sent complaint into Venmo on XX/XX/XXXX and the complaint was sent back on XX/XX/XXXX saying they are not the ones responsible for this complaint. **
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX when XXXX Bank received notification ( from XXXX  ) that I had finally been able to afford to pay off two XXXX XXXX  accounts ( sold to Portfolio Recovery ), XXXX took advantage of the notification from XXXX  that requested deletion, and reported back a changed status of " charge off '' eventhough they had just been sent proof of PAID accounts for both accounts, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. When I called XXXX, representative stated that " they had to report something '' i.e., instead of honoring/accepting the proof of payment for both XXXX  accounts sold to Portfolio Recovery, XXXX  chose in less than 48 hours of receiving XXXX  delete request and proof both accounts were paid, XXXX  knowingly and intentionally seized the opportunity to incorrectly report back to XXXX  " charge off '' status to XXXX. This was deliberate ; when I immediately called XXXX, the gentleman who answered told me they/XXXX  had not reported to credit reporting agencies since XXXX, on either account. It was only when XXXX  contacted XXXX  and notified them that I had paid both debts , XXXX and XXXX XXXX, it was then and only then that the vultures at XXXX  reported back to XXXX, an incorrect status of charge off. I think I have this XXXX " hustle '' figured out. Unbenounst to a consumer who is ignorant to predatory companies like XXXX tries to clean up their credit and XXXX learns of money changed hands, like a shark who smells blood, XXXX then uses that paid awareness to hijack accounts into the incorrect status of charge off, creating opportunity for selling more debt, etc. This was completely deliberate and a reaction to paid status notification, because when I called XXXX  about the response and change of status to charge off, XXXX  phone agent admitted that had not even reported on either of the 2 accounts since XXXX so clearly, it was notification of PAID status to Portfolio Recovery that " set off '' this status change ; therefore, there is clearly a reaction/ agenda for XXXX XXXX to act upon paid status. XXXX  engages in predatory practices and that is why there are over 1,000 complaints with XXXX. I also recognize that because XXXX  has proof that the debt is paid ( to Portfolio Recovery ) and they subsequently removed Portfolio Recovery from my credit, they too could of simply removed-deleted the original XXXX XXXX  negative strikes, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, but they didn't. This is a consumer scam to collaborate and facilitate money making in this credit industry. I fully expect one other XXXX account to now be sold to Portfolio Recovery
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX     2017  I mailed a certified letter to  XXXX  and Equifax disputing collections on my account and asked that they verify the account and to not just say " account verified " after investigation. It is my right to ask for verification and it 's the credit bureaus responsibility to provide verification and debt validation. These companies failed to do so.
Product: Student loan

I asked for a refund for my loan paid during Covid. It is still not reflected in my account after calling them in XXXX. I was initially told it would take 4-6 weeks. Now they're telling me 5 plus months.
Product: Payday loan, title loan, or personal loan

My balance clearly states I owed the Amt XXXX and was paid! I should not be paying additional interest when I paid off the loan. The XXXX should have been applied all to my principal balance!!! Netcredit in now showing I owe another XXXX, when I have screenshots that my balance was XXXX. Please adjust this to my principal balance! This payment makes the loan paid in full!
Product: Debt collection

I received a call with Voice mail from XXXX on XX/XX/2020 saying that the compay had a petition of wage garnishment/judgement with my name and social attached to it. So i return the call and explained the debt had been paid. And asked for reference of the company name and if they were the creditor. He informed me they were XXXX, XXXX  XXXX  XXXX  and were a mediation company and not the debt collector. The debt collector was actually UHG Llc. The representative stated he didnt have that in his system and i could email bank debit details via email to show my repayemts. I did decline as im not at all comfortable sending that type of personal information via email. I asked to be sent documentation via mail and they refused saying they could only send an email. He then put his supervisor on the phone and again i asked for documentation and he repeated the same that they could only send email and why hadn't i previously responded. He also stated that 95 % of the time there are no errors and its not normal that the debt would be paid and they not have that info. I told him i just received the call and that when it referred to garnishments i contacted them back immediately. I have no issues dealing with debt or owed funds but for them to mention garnishments and or judgements without any prior notification of court and or subpoena is ludicrous. And they are not the creditor to threaten such action but only a mediation company at that to make that threat is simply outrageous. I shouldnt be threatened of garnishments to scare me as a consumer to payment. The supervisor said they dont do regular paper mail because of turn around time and proceeded to send me a letter of discussion of agreements in which our conversation we agreed to no such payment. I only requested documents proving and or outlining the debt. The email was a letter stating i agreed to pay when i did not. What profesional company that is debt collection and or mediation does not send official mail?
Product: Credit reporting

I have over 100 inquiries on my Transunioun Credit Report that are due to my identity theft. They will not provide me with any information to validate these. 
XXXX Bank XXXX # XXXX is not my account. they will not validate it. 

XXXX ACCOUNT NUMBER XXXX DOES NOT BELONG TO ME AND THEY DID NOT YET REMOVE NOR VALIDATE THIS AND XXXX ACCOUNT # XXXX XXXX THEY KEEP PUTTING BACK ON UNDER ANOTHER COLLECTION ACCOUNT # XXXX. 

I HAVE EXCELLENT CREDIT. OVER 30 ACCOUNTS BUT THE INQUIRES ALONE ARE NOT MINE NOR CAN BE VALIDATED. 
XXXX ACCOUNTS WAS DUE TO IDENTITY THEFT ACCOUNT # XXXX ACCCOUNT # XXXX XXXX AS WELL XXXX BANK ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired TransUnion, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached EMPLOYMENT INFO : XXXX need to remove & updated ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  need to remove & updated Inquiry details XXXX XXXX  ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXXXXXX XXXX XXXX ( Auto ) XXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX # XXXX ) ( date last active ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( TransUnion XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, TransUnion, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XX/XX/XXXX - My wife received a message from and unknown caller who did give his name and number but did not say who he worked for or why he was calling. I see under the Fair Debt Collections Act that this is prohibited especially without the permission of the employer to take calls from collection agencies. She notified me of the message. I returned his call. The companys name is Vericore and they were representing XXXX XXXX to collect unpaid debt. I was notified that I signed a guarantee in XX/XX/XXXX for a company named XXXX   XXXX XXXX XXXX XXXX for any unpaid debts adding to {$1800.00}. I asked for a copy of the contract and later that day for copies of invoices. Later I contacted XXXX XXXX   XXXX XXXX that had the lien on the business for which I signed. They notified me that business had been dissolved and another company reopened in XX/XX/XXXX. 
XX/XX/XXXX - I noticed then that the new charges on the statements sent had XX/XX/XXXX dates meaning it was the new company charging as the old company for which I worked and signed the contract for product. 
XX/XX/XXXX - Received an email from XXXX XXXX XXXX XXXX confirming the end of the company which I worked and the beginning of a new one. Left Vericore a voicemail and forwarded the email from XXXX XXXX XXXX XXXX. 
XX/XX/XXXX - Vericore representative left me a voicemail stating I needed evidence supporting my claim. I returned his call that this is either a bookkeeping mistake or fraud. Vericore asked how was XXXX XXXX supposed to know they were selling to a new business. He later emailed me some shipping/receiving documents to see if I recognized the signed recipient in which I did not. I let him know in an email I did not recognize the name or company that picked up product. The name of the company picking up product was XXXX XXXX XXXX in XXXX VA. Nobody from the store location signed anywhere on the slip. 
XX/XX/XXXX - Spoke with Vericore to confirm I did not recognize the recipient on the slips and that they once again were selling to a different entity in which I worked. He stated I needed proof that XXXX was notified of the business closing and that XXXX would definitely pursue collection. I then stated I needed to speak with an attorney to see what options were available before I just hand over money in a situation which I had no association. 
XX/XX/XXXX - Met with my attorney. They said I had a case. 
XX/XX/XXXX - Attorney told me with the amount of money being in question that her fees and fighting this would most likely cost more than the debt owed and would be better off paying the debt and receiving a letter that the account is not ever to be used in the future. Was also notified that many of the same people were working for the dissolved business had rolled over into the new business and carried a very similar name. There are also a couple other locations with a name similar to XXXX XXXX XXXX XXXX XXXX in the area that are not associated. I have not worked at that location since XX/XX/XXXX but I understand that is still in the window of the guarantee. 
XXXX XXXX never made an attempt to contact me before turning this over to collections.
Product: Consumer Loan

I bought a car from XXXX XXXX on XXXX/XXXX/XXXX. The vehicle purchased was a XXXX XXXX XXXX with XXXX miles. I drove the car home and it stalled on me and was hard to restart once I made it back to my residence. Once I got it restarted it drove a bit but was hard to restart once I shut it off and tried to crank it up again. The next day it barely cranked over after numerous attempts it finally caught. I received a call from the lending bank ( Credit Acceptance Corporation ) and they wanted to verify my information before funding the deal. I did not verify my information with them because of the problems I just inherited. So I spoke with the rep for XXXX minute or less on XXXX/XXXX/XXXX. XXXX XXXX called immediately after hanging up with CAC and wanted me to call them back and verify my info and I said I could n't and was told to tell the bank I gave {$3000.00} for a down payment. However, I did no such thing. I gave XXXX XXXX a {$700.00} down payment and was scheduled to make another payment of {$500.00} for a down payment not {$3000.00}. They submitted paperwork to CAC stating I gave {$3000.00} in cash and that is a lie. CAC went through with the verification process without my consent and funded this deal and I have a account open with CAC where I am on the hook for {$18000.00}. This I found out after I took the car back to XXXX XXXX on XXXX/XXXX/XXXX and told them I did not want the car because of the issues I had the first day taking it home. They told they would look at it and fix it but I told them do n't bother I do n't want the car anymore because the deal was not completed ( verified by the bank and I ). XXXX XXXX lied about the down payment I gave, CAC accepted the lie and I am told I am stuck with the product of a fraudulent deal.
Product: Credit reporting or other personal consumer reports

I have tried and submitted everything with amex and they refuse to work with me and keep saying the credit card someone else applied for is mine and I have to pay it. 

I have fought with them and provided evidence and police reports for over a year now and they still keep jerking me around. 

Fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Transunion dated XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please remove the late payment from this account : XXXX XXXX XXXX
Product: Credit card

I have a serious problem with Citibank which remains unresolved for more than 90 days. ( This is not what my complaint is about. Citibank owes me a check for the rewards balance of an account which Citibank closed on XX/XX/year>. Citibank does not deny the reward is owed, they just have failed to pay it. ). On XX/XX/year> I filed a request for arbitration exactly as required by Citibank, using the arbitration contact, XXXX XXXX XXXX ( XXXX ), provided by Citibank. I received confirmation that XXXX had received my request and I would hear from a case manager within 2-5 business days. I heard from no one after 5 business days. I waited another 5 business days and still heard from no one. After 10 business days on XX/XX/year> I emailed XXXX and asked for contact and status update. Today, 2 business days later, I have not had a response to the request for arbitration, nor the request for status. Citibank should not be permitted to require arbitration in their customer agreements because it is obviously not a XXXX XXXX for resolution.
Product: Credit card or prepaid card

I've had this secured credit card with wells fargo for almost 3 years and never have they ever offered to increase my limit! I've been a customer since 2007 and I've been making my payments and doing my best to keep it under the limit. I've paid the card off several times and still no increase in credit limits. I was told before applying if I pay on time for 6 months my limit would increase. It's been 3 years where the XXXX is my credit limit increase?
Product: Vehicle loan or lease

On XX/XX/. I applied to extend my credit in good faith and was denied under due to hearsay.