23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Harassed bu Bank of America.I ask bank of america why they are requesting so much documentations and to stop calling me. I was told they were assessing my risk. I became high risk when i ask for modification in XX/XX/XXXX-XX/XX/XXXX which they denied. and 3 yrs ago they contacted me after they lost with state atty general XXXX and modified me to 4.5 % .I was told they will nor correct error in their part since XXXX XXXX unless I SUBMIT ALL DOCUMENTS THEY ARE ASKING. They have requested astronomical documentation with the promise to correct the issue. several phone call were made to my office. threatened to increase my interest rate if documents were not provided. deliberately reported me to XXXX even after consistent payment. i was threatened to foreclose upon if my income do not qualify of the loan that was made in XXXX i have not missed a payment on the commercial property and now being told that i am high risk. the value of the commercial building is lower than the loan. now they are imposing 10 % interest, foreclose upon me or find another bank. i tired XXXX but bank of america reported me to XXXX my credit score went down. they want me to pay {$29000.00} principal and interest because they said i did not qualify. the loan was existing since XXXX and did not apply for loan. i was forced to fill out schedule of debt which violated my privacy and even made to submit my divorce papers. i have lost so many hours of work to generate all the documentations the required. After submitting all documents, I was told yesterday the will foreclose upon me. i have all the documentations/ conversations recorded/ notation as to what was said. My husband did not even request to ask his name taken out of the loan and proceeded upon removal of his name from the loan. PLEASE HELP ME.
Product: Mortgage

At the beginning of XXXX we were double charged our mortgage so we called the company ( Amerihome ) early XXXX and asked that the second payment be put back into our account, the Amerihome Mortgage representative stated that it would be in our account in a week, we waited a week in a half and our money was not returned. We called them again, the next representative said that the first one that was filed was incorrectly filed and that the money will be in our account in just a few days. We waited and nothing, so we called again. They said they could just transfer the money over for the next month ( XXXX ) payment, we said that was fine so we wont be charged in XXXX and they said yes and that the auto payment would not come out. On XX/XX/XXXX another mortgage payment came out of our account. I immediately called them and they said it would be a week before they could put the money back in. I said that was unacceptable and it needs to be put back now. They then couldnt get ahold of a supervisor to help with this so I had to wait another 24 hours for a supervisor to call back. We then filed a complaint with the XXXX and we received a call later that day from AmeriHome Office of the President. They said they were escalating it and that it would take a week, again, for the money to be returned. I told them this is unacceptable and they need to put the money back into our account that was unauthorized to be taken out. I spoke to the representative the next day and the entire day they did not have an update. So we are now almost a month in a half without ever receiving our money back.
Product: Checking or savings account

On XX/XX/2023 I went to the Chase Bank in XXXX, RI to close my deceased brother 's savings and checking account. I presented a death certificate, certificate of trust and a will as proof of my legal claim to close the account. The bank refused to close the account. I had to hire a lawyer who presented the same paperwork, on XXXX XXXX, to a Chase bank in Florida, where my brother lived. The Chase bank, in Florida, could not provide a reason why the RI branch refused the request to close the account. I went back to the the RI branch, on XXXX XXXX, and told them about what the Chase bank in Florida stated. I provided the name of the XXXX XXXX person and phone number to the RI branch XXXX who spoke to the Florida XXXX. The RI XXXX looked at the paperwork submitted by the Florida XXXX, which was the exact same paperwork I submitted on XXXX XXXX. On the XXXX of XXXX. I was called by the RI XXXX and informed I could close out the account. On XX/XX/XXXX, I closed out the account. I had the expense of hiring a lawyer and would like to be reimbursed for that expense.
Product: Debt collection

Midland credit has furnished a collect account to the consumer reporting agencies. I reached out to midland and they have deleted the information that was furnished. But, they still have to pay for the violations of not properly following procedures. They have violated section 15 usc 1681c a breach of my privacy without my consent they have violated 15 usc 1681a ( 4 ) and a deformation of my character plus many other violations and I am asking for a settlement of {$4500.00} payable to me XXXX XXXX this has cost me my job with the XXXX military disciplinary action must take place due to this. I have submitted evidence that this is caused me to be XXXX back from a job opportunity that could change my life
Product: Debt collection

I have asked them to remove the collections on my accounts until they provide me with a validation letter. purchase of debt or assignment of debt and cancellation of debt by original creditor since it is a charge off account. I was not provided with the full list I asked for. please ask them to remove until such time time they provide al l details I asked for. thank you.
Product: Mortgage

I applied for a conventional loan on XX/XX/2020. From there began a process of repeat asks for documents. Delayed asks for clarification and additional documents. From the intake, through processing to underwriting. The bank was provided the ratified contract which the date of the financial finalization as well as the closing date of XX/XX/XXXX. I was not told until XX/XX/XXXX, that we would not be able to close because of something raised in an inspection report that they didnt question until having the document for over a week. Also, I was told on XX/XX/XXXX if I didnt have a contract on my current home that I would need XXXX more to close as a secondary home. 

The process was extremely delayed due underwriting not reviewing documents in timely manner. They asked for information which was over 20 years old and not relevant. My credit score over XXXX, I have stable employment and a current mortgage with them. The delays nearly cost me the house. The seller relisted the house and received an offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

so today i have finally viewed my consumer report for the first time in years and i have noticed so many fraudulent and negative information on my report that i have no idea even existed on my report. i never initiated any of these credit transactions. i would really like these things to be removed because i dont have a clue as to who put these things there. 
Inquiries from XXXX XXXX  ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my birthday is incorrect which should be XX/XX/1999 my only address is XXXX XXXX XXXX XXXX XXXX XXXX  ny XXXX I do not work for XXXX My name is XXXX XXXX XXXX needs to be removed also
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

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 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 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 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 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 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 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 deposited a check on the XXXX of XXXX from a client that I have worked with for over a year. 
The funds were not totally made available to me, which I expected. 
On XXXX XXXX the funds were made available to me so I used them to pay rent, get groceries for my family and other needs. 
On XXXX XXXX my account was overdrawn over {$3000.00} - My XXXX sank. 
I call Wells Fargo and the rep tell XXXX me that Wells Fargo put a hold on the check and that it was because the signature was abnormal. 
He shares that the if the check is validated that the funds would be available on the XXXX. 
He suggested that I reach out to the other bank to make sure that the funds cleared and that should then release the funds for Wells Fargo. 
I do what the the rep says. I check the status of the check and verify that the check has cleared. I speak with my client 's accountant who verifies that the check has cleared. 
I call wells fargo back to let them know that the check had cleared and that I verified it with the other parties. They said there is nothing that can be done. At one point the rep asks what I think should have been done. I told him I felt that they should have honored the check all the way and not just for XXXX. They should have never released any funds until the check was verified fully. The man said that there wasn't anything that could be done. 
I requested to speak with the complaints dept. and they shared that they took down my complaint and that I would hear from someone. I believe the gentleman asked that a review be expedited but he still said funds would be available by XXXX XXXX. 
I look at my account and it shows that the check was deposited but my account is still overdrawn. 

In the meantime. My account is overdrawn by $ XXXX. On XXXX XXXX I get a payroll check for $ XXXX. I couldn't even touch it because it was absorbed by the $ XXXX overdraft. Now my account is sitting at - {$1400.00} and can't pay my other bills, pay my car payment, put gas in my car, get to work, my nephew 's birthday was on the XXXX and I couldn't do anything for him. My husbands birthday is on Sunday the XXXX and I have reservations that I will have to cancel because of this mess. I financially provide for my XXXX in Montana and I can't get her the things she needs. My family relies on me heavily. 
Wells Fargo is only for two demographics. XXXX XXXXs and scammers. 
Just a couple months ago I had to submit a complaint because every other time I would use my debit card I would get a fraud alert on my card and I couldn't use it until I would either respond to a text from wells fargo or call in to review transactions. 
I work extremely hard but I don't have a ton of money. I have a family who has needs. 
Everything has been delayed because of this and nobody cares. 
I want to buy a house - My credit is going to get dinged because of the late car payment, late XXXX XXXX payment, late XXXX payment, storage unit payment was declined because I didn't it in my account. 
People are struggling. Its terrible to hold money from people, especially when they've worked so hard for it.
Product: Credit reporting or other personal consumer reports

I GOT A CARD WITH XXXX  XXXX IN XX/XX/2023. I DIDN'T USE IT TILL XX/XX/XXXX OF XXXX. I HAVE MADE TWO PAYMENT AND STILL IT WAS SHOWING LATE PAYMENT ON MY CREDIT. IT HAS COAST ME AN IMPORTANT JOB PROSPECT. I NEED THEIR NEGATIVE REPORT OFF MY CREDIT PLEASE AND THANK YOU. 

I WILL BE ATTACHING PAYMENT STATEMENTS, PLEASE FIND ATTACHED
Product: Mortgage

I made a partial payment online. This option says keeps in mind the complete payment must be paid by the due date. I made an {$800.00} payment on XX/XX/XXXX. Mr. Cooper put the payment towards principal only. I told them I wanted it put towards my payment due. They repeatedly told me the issue was resolved and it was not. The last time I contacted them, they told me after we made the payment that was due o. XX/XX/XXXX, they would that the payment I made on the XXXX of XXXX and put it towards the payment due. AGAIN, we were told it was fixed and it is not.
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Paid Collection Account from Credit Report To Whom It May Concern, I am writing to request the removal of a collection account associated with Universal Collection Systems ( Original Creditor : XXXX XXXX XXXX XXXX  ) from my credit report. Below are the details of the payment and account : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Payment Date : XX/XX/year> Amount Paid : {$710.00} Transaction ID : XXXX The debt has been fully paid, and I have attached the receipt for reference. Reporting a paid collection account is harmful to my creditworthiness, and I am requesting that this account be removed entirely from my credit report as a goodwill gesture or updated to reflect the Paid in Full status without derogatory notations.

Request for Action 1. Remove the Collection Account : I respectfully request that this account be removed from my credit report entirely.

2. Update Credit Reporting : If removal is not possible, I request that the account status be updated to reflect Paid in Full and ensure that no further derogatory marks remain. 

Supporting Documentation I have attached the following : A copy of the payment receipt indicating full settlement of the account. 
My government-issued ID for verification. 

Contact Information Full Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone Number : XXXX Email Address : XXXX Please notify me in writing of the resolution to this request within the legally mandated timeframe. Thank you for your prompt attention to this matter. 

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

THIS IS NEW INFORMATION. A NEW " COLLECTION STATUS '' APPEARED ON MY PAYMENT HISTORY FOR XX/XX/2021. THIS IS A COMPLETE ERROR AND IN VIOLATION OF THE FCRA. THERE IS NO BALANCE ON THE ACCOUNT AND THE ACCOUNT HAS BEEN CLOSED FOR MANY YEARS. PLEASE FIND A SCREENSHOT OF THE ACCOUNT I AM REFERENCING TO ATTACHED TO THIS COMPLAINT. EXPERIAN AND XXXX  ARE THE ONLY REMAINING BUREAUS TO BE REPORTING FALSE, INACCURATE, AND DAMAGING INFORMATION ( ALL NEGATIVES ON ALL FEDERAL STUDENT LOAN ACCOUNTS ARE INACCURATE ).
Product: Checking or savings account

The following charges where made on my account. On XXXX I received a text notification from Credit Karma asking if the {$100.00} was a approved charge. It was not, I responded as such. Reported my card lost/stolen. I viewed my statement and saw the other charges on XX/XX/XXXX and reported thise as well. Credit Karma still allowed the pending unauthorized charges to through, and declined my dispute. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Resolution Regarding Reporting of Canceled Debt and Form 1099-C Dear ELAN FINANCIAL SERVICE , I am writing to address a critical issue related to the reporting of a charged-off account and the failure to provide the required Form 1099-C for the canceled debt. As governed by the Internal Revenue Code ( IRC ) Section 6050P, I, XXXX XXXX XXXX XXXX, had explicitly requested the issuance of Form 1099-C for the charged-off account.

In my initial communication, I clearly requested the issuance of Form 1099-C for the charged-off account. Despite this request and the company 's commitment to resolving the matter, ELAN FINANCIAL SERVICE has not provided the necessary documentation.

It has come to my attention that, by law and per the IRS, once a debt has been canceled, and a Form 1099-C has been issued, the credit report should no longer show a remaining balance due. The status of the account should be updated to reflect that it is no longer in a charged-off status, indicating that the debt has been canceled or resolved.

Here are the key sections of the Internal Revenue Code that pertain to canceled debt reporting : IRC Section 61 ( a ) ( 12 ) : This section defines gross income to include income from the discharge of indebtedness.

IRC Section 108 : This section provides exclusions from income for canceled debt in certain situations, such as insolvency or bankruptcy.

IRC Section 6050P : This section outlines the reporting requirements for discharges of indebtedness by certain entities, including financial institutions. It requires the filing of Form 1099-C when applicable.

Despite my clear request and the company 's commitment to resolving the matter, ELAN FINANCIAL SERVICE has not provided the necessary documentation. The reporting inaccuracies have the potential to impact my ability to accurately report canceled debt on my income tax return. As of the current date, the issues remain unresolved.

I appreciate the opportunity to provide this information as part of the complaint process. If further details or clarification are needed, please feel free to contact me at XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX, SSN : XXXX, XXXX : XX/XX/year>, XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Follow-Up Dispute Verification - Failure to Comply with FCRA and this is the proof than show the violation Totally all law written to FCRA Section 611, FCDRA AND TILA, DELETE INMEDIATLY THE FOLLOWING ACCOUNT : XXXX XXXX XXXX Account XXXX XXXX XXXX While I appreciate your response indicating that the information has been verified, I believe there are still significant inaccuracies that require further investigation. 
Specifically, In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the reported balance, date of last activity, closed date, payment status and last payment. Furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer & # 39 ; s dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies in my credit report. I request that you conduct a more thorough investigation into this matter, particularly considering the following points : 1. Inconsistencies : There are discrepancies among the three credit bureaus regarding this account.

2. Verification Issues : According to Section 609 ( a ) ( 1 ) ( A ) of the FCRA, you are required to verify accounts through original documentation. I request that you provide the supporting documentation you relied upon to verify this account.

3. Consumer Rights : Under Section 611 of the FCRA, if you can not provide adequate documentation to support the validity of this account, you must remove it from my credit report.

4. Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

I believe 100 % AND THE PROOF IS ATTTACH TO THIS COMPLAINT THAN the bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) in their investigation process.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased an electric scooter from a XXXX XXXXbased company called XXXX XXXX XXXX  XXXX. The company advertised an electric scooter for {$89.00} and I paid for the item via my Paypal credit account. I received a confirmation of payment email on XX/XX/XXXX, on XX/XX/XXXX I received a confirmation of shipping email from the company. Sometime around the last week of XXXX, I attempted to email the company about the status of my item, but the contact information the company provided no longer worked and the website had been taken down. I then went to XXXX, which is where I originally found the advertisement for the scooter and found the XXXX XXXX XXXX page. The XXXX page was littered with complaints about people either not receiving the scooter, the company not responding or the company sending customers a women 's hair tie which they paid {$89.00} for instead of a scooter. I filed a dispute with Paypal after seeing this information on around XX/XX/XXXX, and on XX/XX/XXXX I got an email from the company saying my order was canceled. During the dispute process, the company sent Paypal a tracking number for my item XXXX XXXX XXXX XXXX XXXX XXXX and when it arrived at my home it was a women 's hair tie. I immediately let Paypal know this was the item I received and reported all of the fraudulent activity this company that I had seen on XXXX. I also sent Paypal a picture of the tracking number on the envelope and the picture of the women 's hair tie. Paypal is still not trying to resolve this issue and give me a full refund of my money. I am very disappointed because Paypal is advertised as a safe place to use when making online purchases. I have done everything in my power to show them they have a fraud/scam using their payment system and duping their customers, yet I still have to fight to get my money back and they keep giving this company the benefit of the doubt. My Paypal dispute number is XXXX, and the expected resolution date of my issue is XX/XX/XXXX, which is almost 2 months after I reported the fraudulent activity.
Product: Debt collection

On XX/XX/21 I received a call from XXXX XXXX XXXX saying they were attempting to collect on a debt owed to Macys in the amount of {$3000.00}. I told the caller that I dont have an active account with Macys and havent for years. I told him I would dispute any debt. I have received numerous calls from XXXX XXXX Solutions although they never leave messages. I called Macys and spoke with their account services and they confirmed that I dont owe them anything and I dont have an active account.