23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a checking account with Bank of America in 2017. At the time, I believed I was engaged to marry a man who was then out of town working on a job. He had a " friend '' of his deposit a check for just over {$36000.00} into my account to " cover the vast amount that I had sent him whil he was out of town and then to send him a " little spending money ''. I, of course, did not have {$36000.00} in my account to cover this check, so Bank of America called to confirm the funds. The originating bank called the maker fof the check, who not only said that he did not authorize the check, but that I must have created the check and then tried to pass it through my account, OF COURSE, I DID NEITHER OF THESE THINGS. For months I tried to get from Bank of America the address and person to send what really happened, because now I was unable to open XXXX banking account anywhere. For MONTHS, I got different Answers and NONE were right. Finally, I was given an address in Florida and ended up sending the letter THREE TIMES, only to find out that once again, I had been lied to and that the matter was handled both by XXXX and some Company called XXXX XXXX XXXX. By the time i received this information, I had been contacted by a Special Agent with the XXXX Department. It seemed that my " fiance ' '' was a very well known scammer who they have been trying to catch for a very long time. I sent all the information, along with the Special Agent 's name and contact information and their file number. I have sent this information to XXXX and XXXX XXXX Systems, but XXXX personnel tell me that even if you have sufficient supporting information, they are not in the habit of " admitting they might have made a mistake ''. I am well aware of this after having my wallet stolen and my Target card used with my DL, which was in my wallet, sending the same letter and supporting documentation to them FIVE times and they STILL refuse to take it off! Now, here I am having been scammed by the best of the best out there, I've been fighting for two years just to get the truth out of a bank on where to object to their decision, only to find out that the decision, apparently is in the hands of a company with an ego bigger than XXXX 's, Do you think that I am going to get a fair decision? Do you think that I will ever be able to have a checking account again? Do you have any idea how many of these scammers are out there and we are shut down because of their illegal activities???? Are you willing to help me?? I have been cooperating with the XXXX Department and have been told that the information I have provided has been invaluable, but that does not secure me a checking account!!
Product: Debt collection

*To Whom It May Concern, The reason for my dispute is CHOICE RECOVERY INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports XXXX in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CHOICE RECOVERY INCfailed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationXXXX XXXX XXXX   is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Debt collection

This complaint pertains to : Caliber Home Loans , Inc, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, as Trustee for XXXX Master Participation Trust, and XXXX XXXX XXXX, XXXX. 

Issue : Attempting to collect a " debt '' and attempting foreclosure without possessing debt note and deed of trust. Did not provide meaningful response to multiple qualified written requests and debt dispute validation. Filed documents affecting interest in the property in violation of automatic stay.
Product: Mortgage

We have submitted for mortgage assistance back in XX/XX/XXXX with XXXX who is our mortgage servicer, this was a re-application of a denial back in XX/XX/2019 telling us we do not qualify based on the calculation with the underwriter we are spending too much money monthly and the mortgage payment is affordable to our gross household income, ( is over 45 % debt to ratio income combined with my wifes and my income ) We worked with XXXX XXXX XXXX to have XXXX assist us with our loan modification paperwork, gladly she has re-submitted the file and followed up on the lender communicated on our behalf while we are at work during business hours. 

We have come across an issue today, After providing a complete file proof of {$4500.00} in funds to use for a loan modification and current income and expense financials we were denied again. We received a letter in email from XXXX which was forwarded by the XXXX XXXX Underwriter dated XX/XX/2019 reasoning all the denials and that we should proceed with liquidation options. However in the letter it does not state we can appeal the denial, and it also states we have a foreclosure sale set now for this Friday XX/XX/2019 less than 3 days from the denial. We are aware of our WA Homeowner Bill of Rights we understand timing and timelines and we have not enough time to do anything here. We communicated via email to the underwriter to XXXX XXXX, and CC her foreclosure manager XXXX XXXX and we did not get a response yet. They emailed us the denial letter which is attached in the body of her email she states we have a trustee sale already dated for this week, the letter says 19 days a required for a sale to be canceled by servicer for any other workout options. We feel that the lender is doing unlawful things here, We are not properly given a time frame for these below The Foreclosure Fairness Act ( FFA ) governs the non-judicial foreclosure process in Washington State. 
The FFA provides the timeline for non-judicial foreclosure in Washington and the responsibilities of mortgage companies and borrowers during the process. 
Under the FFA, the servicer ( the company that sends you your monthly statements ) is required to send three notices before it can foreclose on a home : 1. Notice of Pre-Foreclosure Options 2. Notice of Default ( via a trustee or beneficiary ) 3. Notice of Trustee Sale ( via a trustee or beneficiary ) We are not notified of the sale date in writing, or Notice of Sale filed, we are told in an email less than 4 days away from the denied loan decision. 

Please can you help us here, we are to seek immediate relief to allow proper timing for us to do other workout options or SS, DIL
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 

XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **** 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 a 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 seven years.

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

NCB Management Sevices company is practicing illegal collection activity and also inaccurate credit reporting. Back in XXXX of XXXX I contacted this company after I noticed they put a collection account on my credit after I filed chap XXXX Bankruptcy and discharged as of XX/XX/XXXX. I contacted them and filed a XXXX  report. I rec 'd a letter from the Chief Compliance Officer by the name of XXXX XXXX, and it states verbatim that they ( NCB management ) will remove all things that are reporting on my credit for all 3 bureaus effective immediately. They did state that it could take up to 60 days. I look in XXXX of XXXX and everything was removed. Well last week around XX/XX/XXXX, I looked on my credit because I go an alert and yes, the item they removed in error was back on my credit. When I called them yesterday XX/XX/XXXX, they acted as if they had no clue what I was talking about. I req 'd to speak to a manager. His name was XXXX and he said it was put on my credit again XX/XX/XXXX. I told him that was the same date of the letter sent by XXXX and they are practicing illegal collection and reporting practices and I'm going to report them again. So here we are and I need to know why this collection company is still in business and making false claims against my credit with no regard. I would like this addressed immediately.
Product: Checking or savings account

In XXXX of 2020, my account at BBVA Compass was closed in retaliation after I filed several CFPB complaints alleging that the bank had mismanaged their PPP loan application process in a manner that violated their Lender Agreement with the US Small Business Administration. Unfortunately, the retaliatory actions did not stop with the account closure. I was subjected to hate speech by a bank employee, hung up on by the bank, told that my only communication with the bank could be an email address which would routinely take several days to email me back. I was also told by a bank employee named XXXX XXXX, who has also engaged me with hate speech, that I would be able to retrieve my funds from the bank via an outgoing wire transfer if I dropped my complaints and released all claims, but I said I did not feel this was fair and wished to reserve my rights. At this point, the bank further punished me by issuing a cashier 's check via XXXX  to return the funds, which they are legally allowed to do. However, the check that was issued was a " bad '' cashier 's check without any funds to back it, which did not allow it to be deposited. This check contained the entire balance of my small business 's account and I could not access it for weeks. Writing a bad check is a crime. Between the account closure and XX/XX/XXXX, I made over 50 phone calls to BBVA USA and was constantly hung up on and told that my only form of contact with the bank could be via email. I emailed the address they gave me constantly throughout this period to attempt to locate my funds, and was never told their whereabouts. On Friday, XX/XX/XXXX, I sought help from the XXXX XXXX Police Department who took over the case. A detective there, XXXX XXXX, took statements from both BBVA USA and XXXX XXXX, where I was attempting to deposit the check. BBVA USA played XXXX, stating they had no idea where the funds could be and calling the situation " bizarre. '' XXXX XXXX, on the other hand, provided a very clear picture of what had happened -- a crime. A senior VP at XXXX XXXX, XXXX XXXX, made a statement to XXXX 's Detective  XXXX clearly stating the check was " bad '' and did not have funds to back it. This is a criminal offense. After several corrective conversations with a high-up employee at BBVA,  Detective XXXX was able to get the funds released and I was able to deposit my check on XX/XX/2020. The full value of the check, due to its complicated history, was not available to me until XX/XX/2020.
Product: Bank account or service

i faxed chase jp morgan two seperate times at the XXXX XXXX fax number for disputed charges only to be ignored get zero coorespondence and its a lot of money and its mine. with all the tricks out there, i dont know how they got my info. 
ill list the charges cause theirs a bunch. 
i live in XXXX, i have XXXX notirizsd letteres from XXXX seperate people, i wasnt even in XXXX from XX/XX/XXXX till post new year. not to mention guys i have the letters i never in my life stayed at the XXXX in XXXX but theirs a charge for {$1600.00} on XX/XX/XXXX which ive told chase about but did nada. all i rrequested wasa signature to verify allowance of these charges or proof my pin number was used and to this day a year later ignoring me. next couple charhes were by med places which one i dont recognize or gave auth to charge on XX/XX/XXXX for {$150.00} to XXXX never been there ... next XX/XX/XXXX XXXX XXXX XXXX for & XXXX andnog onnly did my indurance pay hin but i was three days XXXX, i was in bed ... .next XX/XX/XXXX from XXXX for XXXX..they promised the tickets i never got them and if they claim i do show me my signature caue you know they send XXXX or XXXX! same deal w/ XX/XX/XXXX from XXXX for XXXX never got the tix ... XXXX last XXXX from XX/XX/XXXX from XXXX ... i ordered the items, they were delivered signed for not by me or this house and again chase just ignoring me ...
Product: Credit reporting or other personal consumer reports

This account has a first late payments XX/XX/2021 which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received one report from you but it does not have the information I requested mentioned above, that is not what I am asking for. I attach the report that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my Account XXXX XXXX # XXXX ( CLOSED )
Product: Mortgage

Thank you for this opportunity. On behalf of my client, we have been trying to work with Fay Servicing, Ms XXXX for over a year. And for XXXX XXXX, a HUD-approved housing counselor for months. 
It has been well over many weeks 1st Trying to confirm they have received the letter of authorization. ( I have and for years have worked with many lenders it is strange as well is very new ... that there is a certification process for the letter of authorizations to speak on behalf of the consumer. 
In addition, it is unheard of the lack of support and assistance the agency 's help is will to offer. 
Continually advising Ms. XXXX to I've up on trying. 
Not to mention continually sending Ms. XXXX mail to the incorrect address. 
No to mention our fear is they continue to play these games that the customer eventually gives up or she loses her home. 
I understand I was granted a loan modification once before. The reps keep telling me that I have bee offered more than one I have only signed for 1 loan mod that is when my fiance passed away.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your XXXX and prompt attention are greatly appreciated.
Product: Credit reporting or other personal consumer reports

I have XXXX late payments on this account. That shouldnt marked as late according to section 1637 ( b ). I did not receive reasonable procedure within the time frame stated below. This is in fact a violation on their end according to 15 U.S. Code 1666b - Timing of 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, is % XXXX % XXXX % XXXX % XXXX
Product: Mortgage

I was granted a loan modification which included exuberant fees in the amount of XXXX in addition to the past due mortgage payments. I had no problem paying the missed payments, however, the additional XXXX was excessive and Bank of America took advantage of me when I was vulnerable and in a financial bind. This has put me in a horrible situation. Im severely underwater and cant refinance my mortgage to a lower interest rate. If Bank of America hadnt added on excessive fees in the amount of XXXX, I would not be underwater!
Product: Money transfer, virtual currency, or money service

Hello, I have been a square up account holder for years. I recently changed my account to accept money for massage services as I am a licensed massage therapist. 

After a few clients, and account verification square sends me an email stating suspicious activity. They took their money and told me the funds will be held for two months and the account closed. 

I contacted square to find out why and was told that they have the right to close the account for any reason. 

This is unprofessional and embarrassing. I was given no explanation and feel its unacceptable to say theres suspicious activity and not say what is suspicious.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

2 statements attatched. One showing a hefty XXXX  dollar fee and the other showing one below a dollar that is extremely easy not to notice if you aren't always reading every bit of your statement.

Charged me debt prot fee i never agreed to. I have filed a report once but their response was that it was all my fault for not noticing the charges. That i had been signed up since 2008 which is when i was XXXX  and jobless so WHAT IS the purpose of this fraud insurance anyways? We know though.

Either way they took my money without my permission and are refusing to give it back just because I " did not notice ''. Well, i notice now. Never used it. Didn't know it was there. I want my money back and am not going to EVER stop until I do.

If someone took XXXX   dollars from my wallet and I did not notice for awhile then found out later they dont get to tell me " Oops, you didn't notice for awhile. OH well. '' Shouldn't be hard for them to refund for money they took for free anyways.
Product: Credit card or prepaid card

Absolutely ridiculous I filed a complaint and the chase executive office contacted me telling me my credit card would be reconsidered and they gave me a phone number to call but then I call and they said I can be approved but then I have a fraud alert and they said they have to trasnfer me to get the verification done on the app and thats it its processed and that their recommending it for approval but after I was transferred to this department and I was 3 hours on hold what a horrible experience to get this application approved this isnt fair why do I have to be on hold to speak with their verification dept why cant they call me and get this verified and my card sent they lending team told me I would be approved that this is a full al step the verification since I have a fraud alert and I did what they told me and the executive office called me advising to speak with them and it worked but the verification. Now is the problem I dont know what to do I just want my application processed and approved Ive been waiting too long and yes lending said that I qualify for the card they did the reconsideration Ans said I meet the credit criteria for the card and that the limit would be {$5000.00} but that the verification needed to be completed by that dept which they transferred me too but no one would Answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that I was apart of a Data Breach was in XXXX / XXXX from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received another equifax credit report today. My balance on my XXXX card is incorrect it is showing a balance of XXXX. I owe less than that. Also my express account is showing as a balance of {$31.00} that is also incorrect I paid off the card in full and owe XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I terminated a rental lease for serious medical reasons with the understanding, according to their contrac t ( Article 11 ) that they will work on renting the apartment as soon as possible. I agreed and offered to pay  the months the apartment was not rented but they refused. Instead, they decided on remodeling a property not in need of remodeling and doing so at the expense of the Tenant, which demonstrates the Landlords failure to reasonably mitigate damages and bad faith on the part of the Landlord.     I,   XXXX   XXXX   XXXX   understands the legal relevance of his lease ; however the duty to mitigate damages is in issue here. As indicated above, since the  Landlord fai led to mitigate damages and failed to place the property on the market. Thus  XXXX   XXXX , should not be liable for any amount alleged by the Landlord due to the Landlords failure to mitigate damages.