23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX I took a HELOC with Bank of America XXXX. {$50000.00}. 
XXXX XXXX XXXX I sold house. 
Did not use HELOC {$50000.00} Bank of America closed balance XXXX letter to title co. 
Moved to XXXX with daughter XX/XX/XXXXMet with new rep wealth management Bank of America in XXXX to transfer assets from XXXX chkg and saving accounts to new address with daughter. During that mtg I inquired on using monies from assets advised a penalty but could take a personal loan out using assets, XXXX XXXX took personal loan for {$50000.00}. payments from ckg account $ XXXX % XXXX Was XXXX for months. upon return I was notified a LIEN ON PROPERTY XXXX CALLED BANK IMMEDIATELY TO CORRECT XXXX. 
BofA closed old account changed % XXXX but continue to keep as HELOC and LIEN ON PROPERTY .... FOR PAST 8+ YEARS HAVE TRIED TO CORRECT THIS WITH NO AVAIL IN XXXX BOA FINALLY TOOK OFF LIEN AND NOW STATE IT IS A UNSECURED LOAN WITH INTEREST PAYMENTS FOR 180 months ( 10 YEARS ) I HAVE SEVERAL LETTERS FROM REPRESENATIVES WITH DIFFERENT STORIES ABOUT THIS SITUATION BUT ALWAYS ENDING WITH THE SAME DOCUMENT SIGNED IN XXXX AS BINDING LEGAL DOCUMENT ... EVEN THE CEO OFFICE ADVOCATES COULD NOT GET IT STRAIGHT NO LIEN YES A LIEN NO HELOC YES HELOC PLEASE HELP ME I HAVE EVEN HAD MY XXXX AND PRIMARY DOCTOR WRITE AND ASKED TO RESOLCVE THIS AS IT IS MAKING ME ILL. MY HUSBAND WAS AXXXX YEARS XXXX WHO PASSED IN XXXX XXXX HE SERVED A TOTAL OF XXXX XXXX YEARS FOR OUR COUNTRY HIGHLY DECORATED I HAVE TOLD BANK OF AMERICA MY INTENTION HAS ALWAYS BEEN TO PAY THIS THIS IS NOT MY DISPUTE BUT THE WAY IT HAS BEEN HANDLED NOT TO MENTION THE AMOUNT TO BE PAID THEY CHANGE THE AMOUNT FROM {$430.00} TO $ XXXXNOW THEY SAY I LIED TO THEM I SOLD A HOUSE DID NOT TELL THEM. ALSO THEY CONTINUE TO SEND XXXX FOR WHAT? PLEASE FEEL FREE TO CONTACT ME IF YOU NEED ANY ADDITIONAL INFORMATION. EVERYONE I ASK FOR HELP TELLS ME BANK OF AMERICA IS TOO BIG TO PLAY WITH ... THANK YOU IN ADVANCE FOR YOUR CONSIDERATION IN THIS MATTER ... XXXX
Product: Mortgage

We had a pipe come apart in the wall of our mobile home XXXX XXXX. The floors sustained damage as a result of the water damage. The insurance company came out and gave an estimate for repairs. The check the insurance company sent me had my name and 21st mortgage corp name on it, no bank will cash this check. The mortgage company also told me they were keeping half of the check and would only give me the rest of the check if the repairs were up to their standards. Im not sure how that works.
Product: Debt collection

From XX/XX/XXXX to XX/XX/XXXX US Bank National Association has committed and is solely responsible for multiple violations of the FDCPA. Attached is material documentation to support my statements below : 1 ) I have no contractual agreement or loan account with US Bank 2 ) I owe US Bank no monies. 
3 ) US Bank paid " no value '' for anything they presume legal rights to claim that I am in possession.

3 ) From XX/XX/XXXX to XX/XX/XXXX US Bank has sent, by USPS, documents/communications directly to me misrepresenting a " debt '', offers to modify that debt, then consistently " XXXX '' me when I respond to their offers. 
4 ) In XX/XX/XXXX, I was informed by a US Bank representative via telephone that the " account is closed '' when I called about technical difficulties that occurred for several days when I tried look up the account online.

5 ) 60 Days allotted to US Bank to respond to any complaints they receive from me is NOT acceptable and is another stonewalling tactic on US Bank 's part to plan another " escape '' from answering these direct allegations. 

US Bank National Association 's repeated Violations of the FDCPA 1 ) Attempts to seize property for a non-existent debt 2 ) Attempts to collect debt not owed by material misrepresentations 3 ) Attempts to seize property to steal the equity therein 4 ) Contempt of Court by failure to obey a XXXX Federal Court Order for a Mortgage Modification Mediation to validate the debt and modify it. 
5 ) Violation of XXXX XXXX Bankruptcy XXXX in XX/XX/XXXX. In XX/XX/XXXX, US Bank allowed employees attorneys of a law firm to file a personal injury lawsuit to collect foor a " non-existent '' loss for a bankruptcy XXXX non-existent debt. 
6 ) Written notification about debt - I have bbeen disputing this in writing since XX/XX/XXXX. 
7 ) False statements or representation ( trying to collect any amount ) 8 ) Took negative action by legal action abusing State Court Judicial officers and procedures.

9 ) Threatened t seize property by getting a State Court Judge to set a sale date of my property for XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently discovered that CHRYSLER CAPITAL has reported inaccurate information to the credit reporting agencies. This erroneous reporting has not only damaged my credibility but has also caused significant financial and emotional distress.

According to the regulations outlined in the 15 U.S. Code 1681s2, furnishing inaccurate information to consumer reporting agencies is strictly prohibited. CHRYSLER CAPITAL has a legal responsibility to ensure that the information they provide is accurate. However, they have failed in this duty.

CHRYSLER CAPITAL has reported a debt as part of my credit history, which is inaccurate. As per the guidelines of the Internal Revenue Service ( IRS ), canceled debts should be reported as gross income on tax returns and not as debts on consumer reports. Therefore, the reporting of this account as a debt is incorrect and goes against the established regulations.

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.

Furthermore, I have not received a Form 1099-C from CHRYSLER CAPITAL , which is required if the canceled debt exceeds {$600.00}, as per the IRS guidelines . This form is crucial for accurately reporting taxable income. 

I am deeply disturbed by this incident and the impact it has had on my financial well-being. I am taking steps to rectify the situation and ensure that my credit report reflects accurate information.
Product: Credit reporting or other personal consumer reports

I currently have four fraudulent accounts appearing on my credit report. 
XXXX. XXXX and XXXX {$16.00} XXXX. XXXX XXXX XXXX {$240.00} XXXX. XXXX XXXX {$190.00} XXXX. XXXX XXXX {$230.00} XXXX. XXXX XXXX XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to have a medical debt removed from my credit report. I had previously asked for validation, even though the collection agency states I did not, and had not received anything until 4 days ago. Upon opening the envelope, I was shocked to see a statement of procedures I received from XXXX XXXX. I have no problem paying what they state I owe, which I also dispute but will just eat it and pay, but I feel a Hipaa violation has occurred with a list of my medical procedures being sold to an agency for collection. Furthermore, XXXX XXXX XXXX XXXX is not licensed to collect in XXXX, Florida.
Product: Credit card

I tried to call cash app on a lot of occasions and couldn't get thru
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$44000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized there are remaining information were reported as erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX Balance : {$7300.00} XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$860.00}
Product: Credit reporting or other personal consumer reports

I just finished reviewing my Equifax Credit report and there are addresses reporting on my credit report that are not mine. 
Below is the list of addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or were opened without my permission. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX According to FCRA Section 605B ( a ) the Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which have led to the appearance of unknown and inaccurate accounts. I am a victim of identity theft, and my information was fraudulently used, resulting in accounts that I have never been associated with. As instructed by Experian, I filed an FTC report and submitted it, yet these fraudulent items remain on my report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card

I went to XXXX XXXX XXXX XXXX for services and the services were not performed as expected. 
My teeth were damaged and all parties involved with my treatment plan were no longer with the institution/school. 

I filed a Dispute with the school 's XX/XX/XXXX and with Discover by exercising my rights as a Dissatisfied customer with the services I received. 

Discover 's reason for denying a reversal of charges was not in alignment with my complaint or within my Bill of Rights as a card member.
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I am writing to address an error regarding the {$92.00} fee scheduled for XX/XX/XXXX. According to the fee saver schedule attached to this email from the NetCredit.com site, the correct amount should be {$88.00}. 

After my XX/XX/XXXX payment, my total amount due was {$2000.00}, as shown on my most recent statement posted on the website. The fee saver schedule, current as of XX/XX/XXXX, indicates that the correct fee amount should be {$88.00}, not {$92.00}. I have also attached photos of previous statements going as far back as XXXX, showing instances where NetCredit has overcharged me. I sent multiple emails to the company but yet to receive a response. I also called customer service multiple times but continue to receive no resolution.
Product: Payday loan, title loan, or personal loan

I've been making my payments online every month on time and they are falsely reporting late payments
Product: Credit reporting or other personal consumer reports

I had a TD business credit card for a small business I owned. In XXXXXXXX XXXX XXXX I closed the card and had a XXXX balance. Several months later there was a charge allowed to be made on that card by TD Bank. The account was no longer open at the time the charge was made. I no longer had access to the account. I contacted TD Bank several times and had to drill down through automated systems to get to an actual person, and then after many conversations being switched to other people in their system I finally agreed to pay the balance to avoid getting a blemish on my credit report. But they reported this to the credit bureaus anyway. This is a very bad practice allowing a charge to be made on a credit card that was closed. They should have refused the charge and it would have been up to the company trying to make the charge to contact me for another means of payment. If the card had expired, TD Bank would not have let the charge go through, so how is this any different.
Product: Credit card or prepaid card

Synchrony Bank store card for Ashley / Ashley Home Store / Ashley Furniture HomeStores/SYNCB. 
Account ending in XXXX. 
I am listed as co-applicant on this card with my wife. 
From XX/XX/XXXX through XX/XX/XXXX, our promotional balance went from {$4700.00} ( XXXX ) to {$3600.00} ( XXXX ). 
Checking our account online, on XXXX XX/XX/XXXX, made payment of {$190.00} on XXXX XXXX, the info displayed indicated the promotional balance as {$3400.00}. 
On our XX/XX/XXXX statement the promotional balance is shown as {$3600.00}. 
On XXXX XXXX, I logged in, pressed chat option, opened chat with company representative ( prefer not to use name of agent ; this situation is not the fault of that agent ), during chat agent did research and responded with two different chat boxes. 
The first chat box from agent stated that balance is {$1900.00}, I asked to ensure correct account number was being used by agent. Agent confirmed correct account number was being used. 
Next chat box, agent indicated that the balance on their end, in their system, is now showing as {$0.00} ( XXXX  ). Again, made sure correct account number, agent verified that he was using correct account number. 
Due to much confusion, I called company. At first spoke with XXXX, she could not explain, to my satisfaction exactly what was happening with our account. She escalated my concerns to a supervisor, XXXX. 
After much conversation, she too had no idea or reason for the difference between {$3400.00} to {$3600.00} to chat balance of {$1900.00}, then XXXX. 
Between XXXX and XXXX, we made a payment of {$190.00}. Balance should have decreased not increased. 
Completely confused about what is going on. 
My previously submitted complaint # XXXX, is related, connected or XXXX to this new complaint.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX