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

On XX/XX/2022 XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold to them from XXXX XXXX XXXX. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately! 

XXXX XXXX XXXX also violated my rights in a similar fashion and I submitted a cfpb complaint ( ID : XXXX ). XXXX XXXX XXXX removed the derogatory mark and has apparently now sold the account to XXXX XXXX who is now violating my rights.
Product: Mortgage

Complaint number XXXX has not been satisfied. 
Mr. Cooper addressed the CITY TAXES, not the XXXX XXXX Taxes. They have not corre4cted the overpayment from this complaint. I received notice from you that they responded. The response did not correct the error. I DO NOT consider the complaint to be closed, when they have not corrected the problem and my escrow account is over {$3000.00} in a negative balance because of their negligence. What is the point of asking for your assistance as an oversight agency if you do not address the problem?
Product: Money transfer, virtual currency, or money service

XXXX XXXX his email is XXXX to who the payment was for. 

This was suppose to be a payment for a puppy. As soon as I paid all communication stop, as for help and refund and nothing ever done, I immediately canceled the payment. They basically oh well too bad we can't do anything. This was done 24 months ago. It won't give me anymore information on that.
Product: Mortgage

I have my mortgage with Bank of America. The last couple of months I have been receiving the monthly statement AFTER THE DUE DATE. I have contacted them several times ( spent hours on hold ) .. They told me they generate my statement on the XXXX of the month, even though it is DUE the XXXX of the next month. In other words, my XXXX statement, due on XX/XX/XXXX, won't even be sent out until XX/XX/XXXX. My statement won't arrive by the DUE DATE. 

I feel like this is totally unethical. I don't want my credit score screwed up because my mortgage company sends me the statement AFTER THE DUE DATE. I think they want people to default on their loans! 

How am I supposed to pay on time if I don't receive my statement until well after the due date, then I have to send it back, making my payment late every month! Just doesn't seem right and Bank of America needs to explain this.
Product: Mortgage

Freedom Mortgage is providing conflicting information regarding the date payments post or are received. If you call the automated system it indicated they reveived your payment on XXXX day and when you speak to a representative they inform you they received the payment on a different day ( for the same payment )
Product: Debt collection

I have reached out to BC services on several occasions to tell them I don't owe this medical debt. attached you will find my bankruptcy discharge paperwork. I also attached the certified mail receipt showing they did receive my letter. They also used medical diagnosis to validate my debt, without a signed HIPPA release.
Product: Credit reporting or other personal consumer reports

significantly affected my financial well-being. Regrettably, I have fallen victim to identity theft, and attach herewith the relevant documents and a completed identity theft report that detail the specifics of this case. I implore your urgent assistance in this grave situation. It is of utmost importance that you take immediate steps to review and address the unauthorized accounts that have been falsely associated with my identity. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. C 1681 c-2 ), I request that you promptly initiate the process to bloc and eliminate all information resulting from this identity theft incident. The FCRA mandates the removal of such data within a maximum of four business days from the date of this correspondence. 

To facilitate your investigation, I have outlined below the specific accounts that I demand to be expeditiously deleted : 1. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$660.00} Please remove it from my credit report. 

XXXX. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$860.00} Please remove it from my credit report. 

XXXX. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$1300.00} Please remove it from my credit report.
Product: Debt collection

I do not owe this bill. 
I do not recognize this charge. 
I do not recognize this company. 
My information was given to this collection agency without my permission. 
In addition, medical bills are not allowed on my credit report. 
This bill is reporting to all three credit reports. 

This account has caused me to be denied credit. 

Account Name PROFESSIONAL FINANCE COM Account Number XXXX
Product: Debt collection

What happened? 

I HAD A CREDIT CARD ACCOUNT WITH CITIBANK ( ACCT # XXXX ) THAT WAS CHARGED OFF IN XXXX OF XXXX. IT WAS PURCHASED BY XXXX XXXX XXXX ( FILE # XXXX ), AND WE REACHED A SETTLEMENT AGREEMENT OF XXXX. XXXX TOOK THE FUNDS FROM MY CHECKING ACCOUNT, ( 6 DRAWS OF XXXX AND 4 DRAWS OF XXXX ), BUT DID NOT SEND A SETTLEMENT STATEMENT. THREE YEARS LATER I RECEIVED A LETTER FROM XXXX AND XXXX, ( FILE # XXXX ) WANTING A SETTLEMENT FOR THE SAME ACCOUNT. I REQUESTED THE SETTLEMENT AGREEMENT PAPERS FROM XXXX BUT WAS TOLD XXXX NO LONGER HAS CITIBANK AS A CLIENT AND THEY DO N'T HAVE THE DOCUMENTS. I CONTACTED CITIBANK AND WAS TOLD THAT XXXX RECEIVED THE ACCOUNT ON XXXX XXXX, XXXX. THEY WANT TO SUE FOR THE SAME AMOUNT AS XXXX. ( XXXX ) THEY REFUSE TO ACKNOWLEDGE ANY PAYMENTS AND CITIBANK WO N'T SAY WHERE MY PAYMENTS TO THEM WERE APPLIED AS I WAS PAYING THEM 6 MONTHS AFTER THE CHARGE OFF. I WAS THEN TOLD OF THE LAW SUIT FILED AGAINST CITIBANK FOR THE SAME THING AND DURING THE SAME TIME FRAME. THE ACCOUNT WAS SOLD TWICE. FIRST TO XXXX AND THEN TO XXXX ( XXXX XXXX AND XXXX ). WHAT HAPPENED TO MY SETTLEMENT WITH XXXX AND ASSOCIATES AND ACCORDING TO THE LAWSUIT, CITIBANK CAN NOT SELL THE SAME DEBT TWICE. EVEN THE COURT DOCUMENTS LIST MY XXXX PAYMENT.
Product: Credit card

Discover randomly decided they wanted me to sign a form 4506-c to give them consent to verify my income from the IRS. I was first contacted by Discover about it this morning. They apparently put a freeze on my credit card this morning as well making it unusable for any purpose. I digitally signed their form as requested, but they have not removed the freeze from my card. I found this very unprofessional! They could cause someone financial distress or cause someone to be stranded out of fuel somewhere if they relied on their discover credit card for such a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

PACUF is reporting " Settled '' on my credit report and it should show PAID as Agreed.
Product: Credit reporting

The Creditor is seeking payment from me for a debt that is not mine. After reviewing my credit report and researching the information, it has been proven that the Creditor is owed by someone with a similar name. This issue relates to an older vehicle that accumulated citations and a collection agency is attempting to collect the debt. I was able to retrieve the tag number and make and model of the vehicle. I have never owned that vehicle or the tags associated with it, and this information is documented in the XXXX XXXX. Therefore, I am requesting that this Creditor and this debt be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Reinserted Account - Request for Immediate Removal Dear Equifax, I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXX XXXX {$410.00} The account was removed from my credit report as of XXXX XXXX XXXX, as confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. 
I have proof of the account 's previous removal, including photos of the previous removal, and the removal from XXXX and XXXX. 
Furthermore, I did not receive the required notification at least 5 days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ). 
Given these circumstances, I request the immediate removal of this account from my credit report. Enclosed with this letter are copies of the proof of removal and any other relevant documentation supporting my request. 
Per the CFPBs lawsuit against Equifax and XXXX for improper reinsertion and failure to conduct proper investigations, I am requesting the immediate removal of XXXX XXXX from my credit report. If you fail to comply, I will escalate this matter to the CFPB for failure to adhere to FCRA regulations. 
Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Dear sir, Reference my complaint no.XXXX dated XXXX against Chase Bank XXXX The bank had then submitted their reply which was vague and unsatisfactory. The bank used wrong account number to deceive and misguide so they can not be held responsible for releasing my inherited fund. They made it spiral and the report they had submitted was not accurate but flimsy. I had a time period of 30 days to submit my feedback but I did not submit any feed back and waited in the hope that the bank perhaps resubmit their clear report on my fund complaint. Eventually the time period of 30 days was passed but I did not see any changed report from them in the account. Some seven or eight months ago the Chase bank contacted me on my email saying that they could not come up with accurate and genuine position of my fund account because the bank had not get the fund register with the Federal Reserve so they wanted to send me my fund through a diplomatic means. I objected on this option and reiterated to let me have access my inherited fund account after activating which would have become dormant but they did not agree and again said to send XXXX dollar for a new account in my name to operate my inherited fund. 

I have all the documents and Chase Bank account statement when you will ask I will produce before you. My fund account statement bearing the account number was not mentioned in the report they had submitted to you. I have been since making request to the bank and to their CEO and Executive office. I am sorry to say that their Executive office have so far been negative and uncooperative and very active harassing me by far. 

I would very humbly request you to kindly intervene the matter again helping me to get access to my fund {$9.00} XXXX. 

Thank you very much in anticipation. 

Best regards, XXXX XXXX
Product: Debt collection

original debt is with XXXX XXXX XXXXs they tried to make up a bunch of charges once i moved out. i believe it was in retaliation for a complaint i made to hud. They made fake claims of debt owed and then sent it to a debt collection agencies. i disputed debt with them and was told i did not have to be shown any prove of items paid.
Product: Checking or savings account

I fell victim to the Bank of America Scheme. I filed a report with fed agency that oversees banking. I deposited a check into BOA and they released the funds then placed a hold on it and I overdraft the account. The check showed cleared so I began to pay bills then the next day I look and the check has an additional 30 day hold on it and overdrafted my account forcing me to pay. The check was a certified check from my lawyer from a settlement I had won. I called the bank of the issuing bank and it had cleared the account but yet Bank of America withheld my funds for 30 days. They even charged me overdrafts.
Product: Debt collection

QWR, XXXX and demand under TILA to provide exact name of the owner of the obligation and direct contact to the accountant or bookkeeper who has personal knowledge. 
On XX/XX/XXXX I spoke with a call center contractor " XXXX XXXX '' from XXXX XXXXXXXX XXXX who told me that my current Creditor is the Department of Veterans Affairs whom PennyMac is servicing. According to another call center employee XXXX XXXX '' from XXXXXXXX XXXX the current owner of my obligation is XXXX whom PennyMac is servicing. According to the bankruptcy lawyer the current Creditor is PennyMac who is servicing themselves. TILA 15 USC 1641 mandates disclosure of the owner of the obligation whom I need to include in my bankruptcy petition since both " XXXX '' insisted that PennyMac is not my Creditor. 
According to AI generated response on XX/XX/XXXX, in the Past Payment Breakdown section of the billing statement, it provides {$230.00} Escrow amount paid last month. Allow me to clarify, on XX/XX/XXXX, we applied {$740.00} toward the XX/XX/XXXX payment, which included {$140.00} escrow, and {$690.00} toward the XX/XX/XXXX payment, which included {$91.00} escrow. 
Please explain why you " applied '' two months payments - XX/XX/XXXX and XX/XX/XXXX in XX/XX/XXXX and how much was applied to XX/XX/XXXX payment? 
Based on demands from the bankruptcy lawyer who told to the Judge that PennyMac is my only Creditor I pay {$190.00} each month for escrow - which is based on increased escrow payments. In reality my escrow payments reduced to {$91.00} on XX/XX/XXXX. Which resulted in two years of overpayments in the amount {$2700.00} overpayment for property taxes in 26 months. Please disclose that you did with this overpayment? Did you apply it to the past escrow amounts? Bankruptcy lawyer said that my plan calculated all payments- including any " past due ''. Someone takes more money from my approved plan, without Court approval. Please explain why you take from me {$100.00} each month during 26 months without getting approval from the bankruptcy Court? I paid {$190.00} escrow for XX/XX/XXXX and {$190.00} escrow for XX/XX/XXXX. Which is total {$390.00} for XXXX and XXXX. You said that in XX/XX/XXXX escrow payment was {$140.00} and XX/XX/XXXX escrow payment was {$91.00}. 
According to " Escrow Review '' in XXXX my escrow was {$130.00} and tax exemption started in XXXX. Please disclose how you calculated escrow amounts for XXXX and XX/XX/XXXX. 
You said you paid total {$230.00} for two months - XXXX and XX/XX/XXXX. I paid {$390.00}. Which is {$160.00} more. Please disclose that did you do with this surplus {$160.00} in XXXX XXXX XXXX. 
Please provide me the exact amount or any outstanding balances for escrow as appear on the account receivable where my money are deposited and direct contract information for the Creditor 's accountant/bookkeeper who has personal knowledge Please attach the ledger for this account receivable
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$910.00} XXXX  XXXX XXXX BALANCE : {$560.00} XXXX XXXX XXXXXXXX BALANCE : {$1200.00} XXXXXXXX XXXX XXXX XXXX BALANCE : {$6900.00} XXXX XXXX BALANCE : {$700.00} XXXX XXXXXXXX BANK XXXX XXXXXXXX BALANCE {$780.00} XXXX XXXX XXXX BALANCE : - XXXX XXXX XXXX XXXXXXXX XXXX : {$410.00} XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$890.00} XXXX XXXXXXXX BALANCE : {$1000.00} XXXX XXXXXXXX BALANCE : {$0.00} - XXXX XXXX XXXX XXXX : {$1600.00} XXXXXXXX XXXX XXXX XXXXXXXX BALANCE : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$970.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX XXXXXXXX XXXX : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$140.00} XXXX XXXX XXXX XXXXXXXX BALANCE : {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  attempted to process tge repurchase of my loan which they sent to  XXXX  as a default accidently.   XXXX   refuses to process this even being made aware that an error occured.
Product: Money transfer, virtual currency, or money service

Iam Filing a Complaint against Cashapp ( Block , Inc ) Due To Inadequate Customer Service, and Unfair Practices, Which Violates the Consumer Financial Protection Act ( CFPA ) Specifically, Cashapp Failed to Take Timely and Effective Measures to Prevent and Address Fraud on their Platforms, Leaving My Account Vulnerable and Unprotected.

Furthermore their Dispute Resolution Process was Unfair, and Deceptive, as they did Not Comply with Error Resolution Requirements Under The Electronic Fund Transfer Act ( EFTA ) and Regulation E, These Actions have Caused Significant Inconvenience and Financial Losses and I Seek appropriate Redress for These Violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Equifax atleast 7 times and have shown them that XXXX bank is falsely reporting things on my credit report. I have sent proof! 

I am writing to once again address the inaccurate reporting on my credit file regarding XXXX specific account with XXXX Bank with account number XXXX. Despite contacting your company on multiple occasions, this error has yet to be corrected. It is important to note that Equifax is the only credit bureau still reporting this erroneous account. 

I demand that this inaccurate account be deleted immediately. If this matter is not resolved promptly, I will have no choice but to escalate the situation by filing formal complaints with the Consumer Financial Protection Bureau and the XXXX XXXX XXXX 

Additionally, it has come to my attention that XXXX Bank continues to alter payment dates on this account, which should raise significant concerns regarding the accuracy and legality of their reporting. This ongoing manipulation is unlawful, and XXXX failure to recognize this discrepancy only perpetuates the issue. 

Under consumer protection laws, all three credit bureaus are required to report accurate and consistent information. Should this error continue, I will explore legal action against Equifax for the undue stress and financial burden caused by this inaccurate reporting. 

I trust you will take this matter seriously and make the necessary corrections without further delay and delete this account!
Product: Debt collection

I have contacted Portfolio Recovery Associates, LLC more than once now, I have sent them requests by certified mail regarding 2 collection accounts on my credit reports. One for {$670.00} and one for {$410.00} I have requested validation many times. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. All I receive back is copies of bills from the original creditor I assume. Again these are not my accounts. I also told them that I am giving them a 30-day notice before filing suit. On XX/XX/2021 was my final attempt to Portfolio Recovery Associates, LLC to have these removed from reports. Again they keep on sending me a photocopy of the statement. I keep on asking them to please show me that I have ( or ever had ) some contractual obligation to pay you. 

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

I was over 30 days late on my mortgage payment due to only now working XXXX XXXX XXXX due to the pandemic. I am now caught up to date with the payment. I have a 30 day late mark on my credit report which dropped my credit score 134 points. I tried to dispute this through the credit bureau and I also called the mortgage company and asked them to have it removed. I thought there was leniency during the pandemic. I would like this removed from my credit report. I have lived here for 15 years and have never been late nor missed a payment. I was waiting on my stimulus check to be deposited into my bank account before I could make the payment.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. 
You guys know its against the laws that protect us consumers to report any info or accounts that have-not been proven to be 100 % accurate!

In the FCRA I read that everything has to be 100 % accurate on my credit file under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate for this violation I can easily get {$3000.00} in a lawsuit against your company!! 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX