23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America accepted mortgage payments from me, giving me a confirmation number for the payments, then, failing to apply them to my loan, they have attempted to return them to me. They are trying to foreclose on me, saying that I defaulted on my loan, when they have both failed to apply payments and failed to accept payments, erroneously claiming I had defaulted on my loan. They are now trying to foreclose on me by a " Summary Judgment Motion, '' suggesting their claim that I defaulted is irrefutable. I hope to refute ( and disprove ) every allegation, but can not find a specializing lawyer to take my case on short notice. ( My attorney has quit ALL mortgage law cases, and I am left stranded. ) For XXXX years Bank of America has treated me in an unethical and fraudulent manner. I do not know whether the judge will listen to/look at my arguments/evidence and proof that they have committed many violations and are falsely alleging many things to give the appearance that I missed or defaulted on loan payments.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Late Payments and Correction of Reported Balance - Account Number XXXX Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to bring to your attention discrepancies related to my XXXX XXXX account with the account number XXXX. The occurrences in question occurred in XX/XX/XXXX and XX/XX/XXXX, impacting all three major credit profiles- EXPERIAN, XXXX, and XXXX. 

In adherence to pertinent federal laws and regulations, I am seeking the removal of late payments and correction of reported balance based on the following provisions : 15 U.S. Code 1681a - Definitions : This section emphasizes the importance of accurate and fair information reporting to credit bureaus. 

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Outlining permissible purposes for accessing consumer reports, stressing the necessity of accurate and up-to-date information.

Privacy Act of 1974 ( 5 U.S. Code 552a ) : This Act ensures the proper handling of personal information by federal agencies, promoting transparency and fairness in data usage.

15 USC 6802 ( b ) ( c ) - Protection of Nonpublic Personal Information : Establishing safeguards for the protection of nonpublic personal information, underscoring the significance of privacy and security in financial transactions.

12 CFR 1016.7 - Accuracy of Information Furnished to Consumer Reporting Agencies : This regulation sets forth requirements for the accuracy and integrity of information provided to consumer reporting agencies.

15 U.S. Code 1666b - Timing of Payments : This section highlights the timing of payments, reinforcing the need for accurate reporting in relation to payment schedules.

Furthermore, I have identified a balance inaccuracy being reported as {$19000.00}, whereas the correct balance of this account is {$18000.00}. I kindly request that this discrepancy be rectified promptly to ensure the accuracy of my credit information. 

Enclosed with this letter, you will find supporting documentation, including proof of timely payments during the specified months and evidence of the correct account balance. I appreciate your thorough investigation into these matters and request that you keep me informed of the outcomes. 

Thank you for your attention and assistance in resolving these issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear XXXX XXXX , This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX, the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, and Consumer Financial Protection Bureau ( CFPB ) guidelines. 
Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt. 
2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( XXXX U.S.C. XXXX ) that justifies your access to and reporting of this alleged debt on my credit report. 
3. Debt Validation : o The name and address of the original creditor. 
o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied. 
o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt. 
4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to XXXX U.S.C. XXXX. If a 1099-C was filed, please provide a copy. 
5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with XXXX U.S.C. XXXX ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies. 
Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under XXXX U.S.C. XXXX ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation. 
Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts. 
Remove any negative information related to this debt from my credit report. 
Confirm in writing that this matter has been fully resolved. 
Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General. 
Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter.
Product: Credit card or prepaid card

I received XXXX American Express Reward cards in fall of XXXX. The cards have an expiration date of XX/XX/XXXX. I went to use these cards in XX/XX/XXXX, thinking they were still good for 3 years. I shocked to see one card had a XXXX balance and a second card had a balance {$81.00} lower than it should be. While I was reading the fine print on the back of the card it said a {$3.00} service charge would be implemented after 6 months. 

That is wrong! If the card was devalued after six months, the expiration should have been six months. I called and spoke to offshore people with English as a 2nd language who explained that they would not refund my fees. I asked for a manager who also refused to do anything, and said I should have read the terms and conditions In my opinion, this is theft. No one reads the pages of small print that come with a gift card. I can't believe XXXX and American Express would associate their names with this type of business practice.
Product: Credit reporting

XXXX XXXX is incorrectly reporting a 30 day delinquency that is not correct. I paid as agreed on the account and have never been late. The account is currently enrolled in a debt management program that has also been paid as agreed. I contacted XXXX XXXX and they agreed and refunded the late fee charge and indicated they would remove the derogatory reporting ( 30 day late notice ). They have not done so since contacted over 60 days ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account on credit report past XXXX years. Last payment was XX/XX/year> per credit report attached. When disputed they fraudulently report payments that were not made to extend the reporting therefore damaging my credit worthiness. 
The Fair Credit Reporting Act ( FCRA ), which is part of Title 15 of the United States Code ( USC ), protects consumers by regulating how credit information is collected and used by credit reporting agencies. Under the FCRA, negative information, such as late payments, collections, or bankruptcies, generally stays on a consumers credit report for up to seven years from the date of the negative event.

After this period, the information is supposed to be removed from the consumer 's credit report, which can help improve credit scores and financial standing.

Procollect account is fraud. I have filed police report and FTC identity theft report and submitted to transition. They deleted original creditor tradeline however the original creditor sold the tradeline and the collection agency is trying to collect. Please delete this account is not mine. Attached you will show the deleted result from trans union of original account
Product: Credit reporting or other personal consumer reports

I reached out regarding these delinquent accounts on several occasions last year around XX/XX/year> and I did not receive any response
Product: Debt collection

On XXXX I sent an ACH transfer of {$50.00} to the PA Lottery  from my bank. I talked with the bank, today, Monday XX/XX/21 and the bank tells me there is nothing wrong with the ACH transfer and the PA Lottery  received the transfer. My PA Lottery  account also shows the deposit was received. A collection company, Global Payment, XXXX called me on Monday XX/XX/21 claiming that the bank rejected my ACH transfer and I owe the collection company {$50.00} plus a {$35.00} fee. I refused to pay or send them any documents and gave no additional information as I do not owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I'm requesting that you verify permissible purpose was provided for each account and inquiry. 
You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Product: Credit card

Apple had an offer of {$25.00} cash back for each new family member added as a participant to Apple Card. On XX/XX/XXXX, my father added me as a participant on his Apple Card. According to this promotion, the cash back of {$25.00} should have been transferred to my Apple XXXX Card seven days after making a purchase of {$25.00} or more. I spent more than the {$25.00} required and still have not received this cash back. On XX/XX/XXXX, my father contacted Apple and the call was transferred to a Goldman Sachs representative who confirmed that we did everything correctly and that they would look into this matter and respond by 10 days. On XX/XX/XXXX, we were informed by Apple via email that Goldman Sachs received the inquiry we made on XX/XX/XXXX, adding that Apple is taking this concern seriously. The email stated : Your Rewards Inquiry has been forwarded to the appropriate department for investigation. Rewards Inquiry are typically resolved within two complete billing cycles, but no later than 90 days after receipt. We may contact you if additional information is needed. If we do not need additional information, you'll receive a notification when our investigation is completed. I feel that we are given the runaround and it is taking too long to resolve. Hopefully this promotion was not a false/misleading advertisement.
Product: Debt collection

Debt was paid to Zales Commenity Bank and the company refused to drop the debt. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account in Charge Off status, but it is still being reported as having a balance due. In addition, they are marking every month in the payment history with CO marks, this is illegal since it is a closed account, so it should not be updated every month. 

I attach evidence of how they are reporting it
Product: Checking or savings account

Wells Fargo again refused to respond to my issue, XXXX XXXX : XXXX which brought me here. 
XX/XX/XXXX, at XXXX XXXX. This was the first time I entered a Wells Fargo branch since XXXX. 
At my visit to branch # XXXX in XXXX, CA, I found out that my teller machine card was expired, I requested from the employee at the window to order my replacement card. The employee requested help from the branch manager, who, after looking at my account, told me that he can not order a teller machine card from his computer and that in order for me to order a new card, I MUST MAKE AN APPOINTMENT AND SIT WITH A BANKER.He then proceeded to tell me that no appointments are available soon, but he can put me on a waiting list and get me to meet a banker faster than making an appointment. which I found it ODD because i have been with Wells Fargo for more than 35 years. Usually they want you to sit with a banker to try to convince you to open more accounts that you do not need and to make investments that profit the bankers. 

I WANT TO KNOW : 1- WHY DID THE MANAGER AT THE BRANCH TELL ME THAT I NEEDED AN APPOINTMENT TO SIT WITH A BANKER JUST TO RENEW MY TELLER MACHINE CARD? It must be a hidden reason that benefits the banker.

2- DOES THIS MANAGER THINK I AM STUPID TO TELL ME THAT HE CAN NOT RENEW MY CARD ON HIS COMPUTER?

3- HOW COME WHEN I WENT OUTSIDE OF THE BRANCH AND CALLED CUSTOMER SERVICE , THE CUSTOMER SERVICE RENEWED MY CARD IN 30 SECOND PHONE CALL?

4- WHY DOES THE MANAGER OF THE BRANCH HAVE NO EXPERIENCE AND NOT KNOW HOW TO RENEW A TELLER MACHINE CARD? 
5- IS WELLS FARGO HIRING MANAGERS FOR THE BRANCHES WITH NO EXPERIENCE SIMILAR TO THE ONE WHO JUST ANSWERED MY COMPLAINT AND THE ONE WHO TOLD ME HE CAN NOT RENEW MY TELLER MACHINE CARD ON HIS COMPUTER?, 6- WHY HAS WELLS FARGO REFUSED TO INVESTIGATE THIS POSSIBLE MISCONDUCT?

This was the answer of the Executive FROM HOME Office Case Specialist who did not address my complaint properly, refused to forward my complaint to a manager, and refused to investigate. the executive WORKING FROM HOME office case specialist response was a copy and paste standard answer that they send to everyone. 
- { Thank you for your patience while we looked into your concerns. Weve completed our research and are ready to share our findings.

Were sorry for any service concerns you may have experienced when you attempted to get assistance at a Wells Fargo Branch. We strive to provide exceptional service, and its disappointing to learn we didnt meet this expectation. Were constantly reviewing and revising our practices and procedures to improve the customers experience, and we appreciate any input that helps us do this. }
Product: Checking or savings account

TCF Bank sold out to Huntington Bank. They gave periodic notices this was happening to make it seem they were prepared. 

On XX/XX/XXXX, I was supposed to have access to my new Huntington Bank Account. Their website did not work. 

I tried to call the number and was on hold for 7 hours the first day. Including 4 hours of hold until I reached the first person who said, " They gave you the wrong number, you need to call a different one '' and 3 more hours of hold.

About 4 hours the second day.

2 hours the third day.

I contacted them through twitter, etc. 

OBVIOUSLY, they were not prepared and a week later, I still not only do not have access to my own funds but I am unable to see my records to do my taxes that were due on the XXXX. 

This is just a small side account I have but it has created massive problems for me this week with no help from the bank whatsoever to solve this. 

They have my money and I can not access my online account.
Product: Mortgage

We have sent in all paperwork with this company 's XXXX label that was over-nighted -- we had it notarized by our bank XXXX in XXXX MA and sent it off the following day. As I said this was about XXXX weeks ago now. 

We come home last night- and I see a envelope with my name and XXXX 's with a stamped confidential logo and it is paperwork we already signed for this streamline loan mod and it got to them. WHY have they not changed their website to show we have signed the paperwork as we were told once they get that they would wipe the old existing past due clear and XXXX why WAS IT POSTED OUTSIDE on A DOOR where anyone could pull it off and read our docs that are PRIVATE!!! 

We want answers ASAP -- already got an attorney in my firm to look at what you guys are doing, this is not right -- and I want answers because all you do is lie --. 

Did you lose the paperwork we had notarized and fedexed to you? I would not be surprised as after speaking to your escalation dept you seem to lose a lot. 

So I tested your sight to make a payment of 500 on XX/XX/XXXX just to see what it would do -- you still have the OLD INFO! -- -when I pay the rest the end if the month if that 500 isn't added and or you take the rest I pay and put it towards an old loan that is not the streamlined one that we signed and got notarized and witnesses for you -- then you will be hearing from an attorney ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the unauthorized reinsertion of hard inquiries on my credit report. Despite previous complaints and subsequent removal, these inquiries have been reinserted without my knowledge or consent. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ) ( ii ).
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included.

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit.

Notice, Congress said ANY card. 
The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. 
They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. 
Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

1. 15 U.S. Code 1692g ( b ) Disputed debts - Validation of debts XXXX XXXX Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. Code 1681n Civil liability for willful noncompliance XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year we received a response from XXXX XXXX XXXX concerning the length of time the company reported a negative item on our credit reports. XXXX XXXX XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/2011.

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported.

We are now past the 7 year period and XXXX XXXX XXXX continues to report the negative item on our credit reports.
Product: Debt collection

per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal per 15 USC 6802 Obligations with respect to disclosures of personal information, 313.7 Form of opt out notice to consumers ; opt out methods, with said company " CREDIT CONTROL SERVICE '' Further this is now a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. 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 reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate & the selling of my information to third parties is unlawful ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to XXXX XXXX and transition to remove a XXXX XXXX XXXX XXXX XXXX Missouri address because it is inaccurate it is missing an appartment number therefore it is inaccurate and they are doing nothing to help