23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like a detailed explanation of how the disputed accounts with XXXX and XXXX XXXX were investigated and validated within 15 days of this request. I disputed accounts with XXXX and XXXX XXXX with the credit bureau. I also submitted a request directly to the company demanding validation of the debt. The creditor has failed to respond to my demand of validation and is therefore illegally reporting the account information. The FDCPA prohibits any company from engaging in collection activity for any debt they can not validate. If XXXX and XXXX XXXX ( the XXXX XXXX ) were unable to validate the debt with me I find it very difficult to believe they complied with the credit reporting agency.
Product: Checking or savings account

On XX/XX/XXXX I entered my local branch of Bank of America ( XXXX XXXX XXXX XXXX, XXXX, PA XXXX ) and made a check deposit of {$8700.00} the check was from XXXX, a publicly traded entity of which I hold stock. I have had this account open since XXXX of XXXX and since that time there has been roughly {$90000.00} in deposits made to this account. The issue at hand is the branch manager told me that {$5300.00} of the total check amount ( {$8700.00} ) would be available for me on XX/XX/XXXX and that the remainder would be made available to me the following week ending in XX/XX/XXXX. I accepted those terms and proceeded to make the deposit. It was not until the morning of XX/XX/XXXX that I received an automated email from Bank of America stating that the entirety of the check was to be placed on hold until XX/XX/XXXX. I called the branch at XXXX XXXX and spoke to their banker named " XXXX '' he took down my name and telephone number, told me the manager was speaking to a customer and he would have her call me back the moment she becomes available. During that time I proceeded to call the customer service number for Bank of America Corporate Offices. I raised the issue to the highest possible level. The supervisor gave me his ID NUMBER : '' XXXX ''. I lodged a formal " internal complaint '' with that supervisor against the branch manager who handled the deposit for providing me misleading information which I believe is predatory in its nature. The motive being to secure my deposit and provide me with reasoning to do so that was completely false. 

I am filing this complaint as I am completing the process of speaking to them on the phone, the duration of this phone call has been 91 minutes and 26 seconds. During this time I have still yet to receive a call back from that branch XXXX it is currently XXXX XXXX, I called them at XXXX this morning XX/XX/XXXX. 

The outcome of all of the escalations was that they are keeping the hold until XX/XX/XXXX on the entire check amount in order to " verify the funds '' as I stated above the validity of XXXX is public information as is the financial solvency. The hold of 10 days to verify a check to me sounds extremely long, however the issue of the highest authority at the physical branch telling me a lie in order to obtain my deposit is the predatory act committed by Bank of America.
Product: Mortgage

Follow-Up Complaint Regarding Mortgage Servicer Errors and Request for Compensation Dear CFPB, I am writing to file an updated complaint regarding my mortgage servicer, Roundpoint Mortgage and to seek further action in resolving outstanding issues related to my mortgage account. This follows my previous complaint ( Case # XXXX ), which was marked as closed. 

While I appreciate the initial resolution on the escrow account, there are ongoing issues with my mortgage servicers handling of my account that have not been fully addressed, causing significant emotional distress and financial inconvenience. 

Issues : Lapse in Insurance Coverage : In XX/XX/year>, my mortgage servicer incorrectly notified me of a lapse in my wind insurance coverage, which led to force-placed insurance being added to my account. I did not receive the Exposure Notice or Force Placement Notice as mentioned in their communication, which caused stress and financial strain. Though I was eventually refunded, I was burdened with higher payments for several months and never properly notified about the insurance issue.

Property Tax Payment Error : A year prior, my servicer mistakenly sent my property tax payments to the wrong parcel, resulting in a lien on my property. I live in XXXX XXXX, XXXX but they sent my property taxes to XXXX XXXX XXXX XXXX. This error almost led to the loss of my home while I was away on vacation. As a result of their error, they took out a substantial amount from my escrow and forced me to pay a premium of around {$1500.00} on top of my existing mortgage payment for several months to recover my escrow for the mistake that they made. This is when communication between them started deteriorating. I can provide call logs of me being on the phone with them for multiple hours per day while trying to resolve with no resolution. Not once have I ever received a call back from a supervisor when it was requested during every one of those 30+ phone calls.. I requested ledgers showing why or how this happened but I never received any documentation regarding this. 

While the issue was eventually corrected, the emotional and financial impact was substantial.
Product: Credit reporting or other personal consumer reports

This notice addresses unvalidated late payments on my credit record that remain unresolved despite my written dispute submitted over XXXX XXXX XXXX  Your failure to respond or provide validation within the required timeframe violates federal law.
Product: Debt collection

I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt because I have never done business with your company. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 



Please attach the following documents : Agreement that you have authority to collect this alleged debt Assignment contract that bears signature of the alleged debtor with promises to pay the original creditor Complete payment history on this account, to prove that the amount you wish to collect is correct
Product: Mortgage

I need assistance with obtaining resolution on a late mortgage property tax payment from XXXX. 

My loan servicer was Statebridge mortgage company and my property taxes were escrowed and were supposed to be paid by Statebridge. My loan account showed that the taxes were paid and the money was removed from my loan account in XX/XX/XXXX and paid to XXXX County in XXXX of XXXX. 

I refinanced my mortgage and closed on the refinance in XX/XX/XXXX. In XX/XX/XXXX, I received an escrow refund from Statebridge. On XX/XX/XXXX, I received a letter from an attorney stating that my property taxes were late and that I was assessed fines in excess of {$640.00} for non-payment. 

I contacted Statebridge, in writing, 3 times with a notice of error. After not receiving any response, I began calling Statebridge and all they told me was that my taxes were paid. I finally got them to stop saying that the taxes were paid and then MIRACULOUSLY, they began to say that XXXX county RETURNED my taxes in XXXX and that's why I received an escrow refund. I asked for proof of the return payment and all they would give me is a loan history detail report. 

My new mortgage loan servicer paid the past due balance and late fees and rolled them into my loan payment, causing undue financial hardship on me and my family. 

I am not responsible for the late fees and would like to know if there is any recourse or assistance that you can provide in helping me obtain resolution. 

I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX, XXXX dated XX/XX/XXXX stating that the property taxes for my home, XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), were delinquent. 

I logged in to the Statebridge Company portal and pulled up the account activity for XX/XX/XXXX through XX/XX/XXXX to see if the property tax funds were dispersed and allocated accordingly. 
The statement showed that on XX/XX/XXXX, there were two Tax Bill Disbursements. One in the amount of {$4400.00} ( XXXX County ) and the other for {$1500.00} ( XXXX County ). 

I then proceeded to log on to both county property tax portals to find that the XXXX County taxes were paid, but the XXXX County taxes did not show a payment. 

I received the letter in the mail on XX/XX/XXXX. I contacted Statebridge Company XX/XX/XXXX at approximately XXXX CST to discuss the discrepancy. The representative advised me that he showed that the property taxes were paid and requested a copy of the delinquency notice. Per his request, attached is a copy of the delinquency notice from the attorney and the XXXX County Delinquent Tax Statement. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX XXXX cell email : XXXX XXXX
Product: Credit reporting

My accounts are repeated and should not create the appearance that I have XXXX XXXX credit cards & XXXX XXXX XXXX XXXX XXXX are same company I had XXXX accounts and paid in full, closed them out, they should be considered Charge Off, Paid in Full, Satisfactorily, finally, XXXX XXXX no longer has my permission as I have not reapplied for credit, can they give themselves permission to continually do inquiries. I have an claims refund from XXXX Federal Trade Commission winning back my payment refund back, from XXXX XXXX XXXX XXXX, with many aka or XXXX, which has a negative remark on my credit report, now I have proof that they were conducting collections from me, fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and Experian and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files TransUnion is again violating the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq., and that CCB 's actions violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692, as was pointed out in the lawsuit. XXXX v. XXXX XXXX, XXXX ( XXXX. XXXX ),
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an victim of idenity theft and my police report has been sent and received to XXXX  and they refuse to reach back out to me on why my inquiries have not been deleted after three months of continuous calling and sending police reports. I need the following inquiries removed that I did not authorize XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc.

XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX + Mail Order Firms XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + Mail Order Firms XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ Sales Financing XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry fromXX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX+ Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX - Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + General Clothing Stores XXXX XXXX Inquiry from XX/XX/XXXX+ Miscellaneous Reptg. Agencies
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute inaccuracies related to my XXXX XXXX XXXX account ending in XXXX, as reported by XXXX, XXXX, and Equifax. Despite initiating a dispute on XX/XX/year>, I have not received the required investigation results or requested documentation from either XXXX XXXX XXXX or the credit reporting agencies. The account is currently listed as " charged off as bad debt, '' with a past due balance of {$7300.00}, yet no IRS 1099-C form has been issued to me as required by law for any canceled or forgiven debt. Additionally, there are inconsistencies in the reporting across the three bureaus, including varying " last reported '' and " last active '' dates. These discrepancies raise questions about the accuracy and completeness of the information. I respectfully request that the CFPB take immediate action to enforce the investigation and provide all relevant documentation, or remove the inaccurate reporting from my credit file entirely.
Product: Debt collection

To Whom It May Concern LVNVFUNDG XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX  has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$1000.00} ; XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$76.00} ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$490.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$570.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00} ; XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm 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 items 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 are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had a case opened with equifax here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to XXXX. I just pulled my credit report and the balance reflected right now is not XXXX, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX XXXX for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for XXXX XXXX, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. '' XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX XXXX - Delete this account because you are inaccurately reporting ( STATUS, BALANCE. XXXX : Balance {$10000.00}, Balance updated XX/XX/XXXX, XXXX Account charged off. {$31000.00} written off. 
Status updated XX/XX/XXXX, Last payment date XX/XX/XXXX, Balance details Paid off.XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Original balance XXXX Original balance {$21000.00} In Transunion : XXXX updated, XX/XX/XXXX, Original balance $ XXXX Charged off as bad debt.Status updated XX/XX/XXXX You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXXXXXX  and XX/XX/XXXX, I received calls from Portfolio Recovery regarding credit card debt that I owed. I requested to received via mail a debt validation letter with the company I owed and the total amount due. As of XX/XX/XXXXXXXX  I have not received any written correspondence and it has been over 30 days. Portfolio Recovery has report negative marks on my credit report with XXXX, XXXX, and XXXX.
Product: Debt collection

XXXX XXXX XXXX claims I owe XXXX to XXXX, this amount was paid prior via a XXXX XXXX money order which was mailed several weeks ago. It appears payment was either lost in the mail or credited to incorrect account, I do not have receipt to show it was cashed as payment was sent several weeks ago and the receipt subsequently discarded. Also, I have not received payment from XXXX for a claim I filed while I had coverage, I believe the amount owed to me is over 300. I think it is absurd to expect payment when they have not paid me for my claim. In closing, please advise CCS of this information and I'd also like to confirm they are the in house collection agency for XXXX XXXXl.. Several XXXX XXXX   reps have stated that CCS is their in house collections agency and I do not believe this is true for several reasons. First, CCS lists a different address and number than XXXX XXXX. Second, I know other companies use CCS for collections such as XXXX and XXXX. It appears the reps I spoke with lied in order to claim they are owed on prior policies which are either several years old, invalid as they were supposed to have been canceled prior to additional coverage, sold off to CCS.