23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Responding to an email ad from Bank of America, we applied on XXXX XXXX, XXXX for a refinance for my rental home, owned since we built it 7 years ago. We complied with every request for documents, even having BofA contact our insurance agent and CPA. Dozens of emails, letters & phone calls later, & repeated delays, extensions & promises from them have gone on, usually with requests for more & more documents, not even pertaining to the property, but to our home & the other XXXX rental units we have, all dutifully submitted. BofA is currently the mortgage holder on one of those other homes, so a re-fi from them should have been a simple process ; we have excellent credit ratings and are stable, credit-worthy people, in the long-term rental business for many years, living in the same area our entire lives. Finally, on XXXX XXXX, they asked for an " update '' on the appraisal that was done by their appraiser in XX/XX/XXXX, an updated credit report, more copies of bank statements & another signed borrower 's certification form. The week before, I was asked what title company we 'd like to sign at, since the closing was finally at hand -- but no, yet more forms were now requested, instead! My phone service was down for a few days ( repaired yesterday ), so I could n't get these documents sent immediately electronically, but since they refused to give more than 2 days to get them to their Oregon office, they denied any further extension & canceled the loan application. We have been greatly abused in this process, a process even their loan officers claim was unusually, inexplicably & regretfully long. I would never recommend doing business with BofA, even though I had been a customer since XX/XX/XXXX! This was the worst, most demanding & most disappointing transaction I 've ever been through, & I 've bought, sold & refinanced many mortgages over the years. In view of all the time & effort this has cost us, only to lose this game of attrition, I feel our application fee should be refunded. I don 'd mind paying for the appraisal ( despite BofA thinking it needed an " update '' after only 3 months! ), but our time & effort would have definitely been better spent at any institution around here, which we 'll most assuredly do in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian in reference to a XXXX account showing a past due balance of XXXX . The account was part of a bankruptcy discharged in 2016. Experian responded saying the information was reporting correctly. I reached out to XXXX who acknowledged the XXXX $ was part of a bankruptcy and discharged. I was bounced around various department for an hour or so. They ended up telling me it was the fault of Experian. Experian says its the reporting of XXXX. The account was under a bankruptcy and is being reported as currently past due by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Innovis, XXXX adamantly refuse under any circumstances rational or otherwise to release my legally entitled free report or to discuss any remedy to release other than to " Read the letter '' in 9-14 days. 

All state in letter that scan ID images can not be verified SS, PASSPORT, DRIVER ID, XXXX Documents. All id scans used were exact images furnished to approve bank and credit applications without issue Documents were scanned high quality and faxed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Registered Mail Sent on XX/XX/XXXX with Hi res scans of Social Security, License, Bank Statement, Passport and Credit Statement were never adequate
Product: Debt collection

I received a letter in the mail on XXXX/17 stating the State of Texas cause no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs Me subpoena for oral deposition as aid to enforcement of execution ... does n't not inform me of who or what this is trying to collect for, no amount stated, no return contact information ... all is says is show up on this date to some office building, not a courthouse an office. am I suppose to just show up and sure let me give you money, if I am summons for court or trying to be sued I need to know for what! I feel this is not a legitimate or legal action that I have been subjected to, is this from debt they purchased for another debt collector that could be beyond the statue of limitations or what is this from?
Product: Credit card or prepaid card

I have a Synchrony XXXX Mastercard that gives points for purchases made with the card on XXXX. I have XXXX points that are available to redeem, but there is no way to redeem them through XXXX. I have made multiple phone calls to Synchrony, who then referred me to XXXX, and then XXXX referred me back to Synchrony. Five months ago Synchrony stated they would credit my account statement for these rewards. Four months and three phone calls later, there has been no credit to my account, and now they are referring me back to XXXX stating Synchrony Bank is not responsible for redemption of the points. My card agreement is with Synchrony and they are responsible for this. 

I also filed a complaint with the XXXX  XXXX  XXXX  two months ago and this did not help resolve the issue. XXXX CASE # : XXXX. 

I have been in banking for 20 years and stongly believe this to be a UDAAP voilation. They advertised a rewards points card, and there is no way to use them.
Product: Debt collection

I received a phone call from a debt collector regarding unpaid medical related debt. 

I requested proof and validation of the debt and nothing was provided. They said that they sent letters through the mail to an address that I have never lived at. 

They called back numerous times and still did not provide any information even after asking over the phone and through text messages that they continued to send me as well. 

I also never received any notice of my ability to dispute this debt during any of the conversations.
Product: Debt collection

I filed for chapter XXXX bankruptcy. It started XXXX. I was discharged on XXXX. Capital One purchased XXXX sometime after that. When I do not know. Capital One received a debt which my lawyer missed on my credit report. Capital One sold it to XXXX XXXX. XXXX has called my job everyday for 4 years seeking payment. When I told them my XXXX debts were absolved in bankruptcy they said no they weren't. I filed a zero assest, total liquidation Chapter XXXX bankruptcy. I filled for XXXX dollars in debt to cover all of my debts even ones possibly missed. This debt was an XXXX XXXX card managed by XXXX. Capital One has acknowledged this is an account received from XXXX. Capital One has acknowledged this to me in phone calls. This debt falls under the no harm no foul rule. I have paid with ten years of my life. When I disputed the debt it reset the clock on how long it can remain there. This is also unfair. I am not legally bound to this debt anymore. I should not have to pay a debt from over ten years ago that was discharged. This is a violation of my Chapter XXXX rights. My lawyer has since passed away and closed his office. I am considering suing XXXX XXXX and Capital One. The sale of this account and its subsequent collection is ilegal.
Product: Mortgage

I have learned that my husband and I received the fraudulent mortgage loan. On or about XX/XX/2016, we used the same servicer, Nationstar Mortgage LLC to apply for a mortgage refinance under the federal government 's Home Affordable Refinance Program ( " HARP '' ). Nationstar failed to comply with numerous requirements of the HARP Guideline for the HARP mortgage transaction as following : The proceeds of the refinance mortgage must be used only to : 1. Pay off the first Mortgage ( amount including only the XXXX and interest accrued through the date the Mortgage being refinanced is paid off ) 2. The proceeds from the mortgage after the proceeds are applied as described above must reduce the mortgage or the excess amount must be applied as a principal curtailment to the HARP mortgage. 
3. Under no circumstances may cash disbursed to the Borrower exceed {$250.00}. 

Upon my request, Nationstar provided me with a " FOR INTERNAL USE ONLY '' payoff statement showing the interest rate of 3.375 %. Loan Officer, XXXX XXXX added the inconsistent interest due of {$1500.00} to the XXXX of {$280000.00} to be paid off. The HARP mortgage transaction was executed on XX/XX/2016 and originated Loan on XX/XX/2016. 

Unbeknownst to us, on XX/XX/2016 Nationstar cut down the interest due to {$1300.00} and funded its own total payoff amount which resulted in the excess proceeds. Per the HARP guideline, the proceeds of the refinance mortgage must be used to pay off only the XXXX and interest accrued through the date the mortgage being refinanced is paid off and the excess proceeds must apply to reduce the mortgage or the HARP mortgage. Mr. XXXX failed to apply the excess proceeds to the mortgage, or the HARP mortgage. 

On XX/XX/2016, Mr. XXXX had us signed the corrected closing disclosure specifying the changes to prepaid costs. He failed to disclose the actual changes to payoffs. Nationstar disbursed the cash of {$280.00} in XX/XX/2016 which exceeded {$250.00} per the XXXX XXXX HARP guideline. Nationstar provided us with the unreduced HARP loan.
Product: Debt collection

XXXX XXXX XXXX Mailing Address City, XXXX, ZIP Code Dear Sir/Madam, Subject : Dispute of Alleged Debt I am writing to formally dispute the debt being reported by XXXX XXXX XXXX as of XX/XX/year>, in the amounts of {$1100.00} and {$810.00}. 

I have no business relationship with your company, and I believe that these debts were purchased from another company that has since terminated the original debt. Despite my numerous requests for proof of ownership and validation of the alleged debt, I have not received any documentation from XXXX XXXX XXXX to support your claims. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease all collection activities and remove the inaccurate information from my credit report. This unwarranted reporting has negatively impacted my credit rating for the past XXXX years, causing considerable distress and harm. 

Please provide the following information within XXXX  days of receipt of this letter : XXXX. A copy of the agreement that authorizes you to collect on this alleged debt. 
XXXX. A detailed statement showing the full accounting of the alleged debt. 

If you are unable to provide the requested documentation, I insist that you immediately cease collection activities and correct the inaccurate information reported to the credit bureaus. 

I look forward to your prompt response and resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WY XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I was looking over my consumer report and once again its some other person violating the laws the Social Security number belongs to the XXXX and anything purchased with that identifier number is in obligation of the United States USC 8. Means that anyone attempting to collect a debt from me is guilty of the false claims act [ FCA ] 31 USC 3729. 12 USC 1431 banks cant loan money because theyre the borrowers.

42USC 408 asking for my social security number on any credit transactions or loans is against the law because there is no lawful money this is a crime. 15 USC 1602 I am the original creditor. 18 U.S.C. 894 is a federal statute that prohibits the use of extortionate means to collect credit extensions. It states that anyone who knowingly uses or conspires to use extortionate means to collect or attempt to collect an extension of credit, or to punish nonrepayment, can be fined or imprisoned for up to 20 years. 15 USC 1602 states I am the original creditor 15 USC finance charge shall be the sum of all charges, if it isnt its a violation. 31 U.S. Code 3123, also known as " Payment of obligations and interest on the public debt '', is a section of the United States Code that covers how the government pays interest and obligations on its public debt. It is part of Title 31, which covers money and finance, and Subtitle III, which covers financial management. The section was dated XXXX and went into effect on XX/XX/XXXX, XXXX12 U.S.C. 83, also known as " Loans by bank on its own stock '', is a section of the United States Code that generally prohibits national banks from making loans or purchasing their own stock as security. However, there are some exceptions, such as when a bank acquires stock to prevent a loss on a debt it previously contracted in good faith. If a bank does acquire stock in this way, it must dispose of it within six months.15 USC 1681n of the Fair Credit Reporting Act ( FCRA ) covers civil liability for willful noncompliance with consumer credit reporting agencies ( CRAs ). The FCRA was enacted in 1970 to promote the accuracy, fairness, and privacy of consumer reporting information. 15 U.S. Code 1681o - Civil liability for negligent noncompliance. in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 15 U.S.C. 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the accuracy of consumer reports.This includes having policies and procedures in place before a dispute or investigation is requested.True accord corporations opened XXXX XXXX say its open reaging the account amount {$230.00} XXXX XXXX XXXX amount {$1200.00} opened XXXX XXXX and saying they are the original creditor also XXXX XXXX XXXX amount {$1300.00} XX/XX/XXXXXXXX XXXX
Product: Debt collection

I called JR BROTHERS FINANCE spoke to XXXX to ask what a charge a my credit report for {$130.00} was but all she can do is say it was mine and insult me. She asked me if that 's what I do for a living and hung up on me. All I want to know is that the charge is!
Product: Credit card or prepaid card

My captal one credit inquires were suggested by XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX suggest this on XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX. Every time I applied it was under the assumption XXXX XXXX XXXXook my credit into account. This is very misleading and I would like these inquiries removed from my report.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX, doing busines as " XXXX XXXX '' ( XXXX XXXX ), and its financing company, Universal Acceptance Corporation, ( UAC ).  I did not have to put any money down, the payments were {$190.00} every two weeks. I automatically set up direct deposit payments from my checking account to begin XX/XX/XXXX. They pulled the first payment plus a {$3.00} fee through XXXX XXXX XXXX payment. A few days later, I received a text and email stating to call about my payment. My car was disabled until I called in and made another payment. This has happened 3x as they said the payment came back NSF ( Credit card and checking account ). I called the corporate office in XXXX, MN and spoke with a Customer Service Representative who did n't know anything and said that I needed to speak with my finance manager " XXXX '' in XXXX, WA. I was transferred back and forth and made another payment until I received my bank statement. I emailed my statement over to " XXXX '' at the XXXX, WA location and she said that she would give information to her " Finance Manger ''. Needless to say, my vehicle was disabled again when I had to take a client to XXXX, I called XXXX XXXX again and XXXX enabled the vehicle so I could get client to hospital but she XXXX before we could get her there. I am so done with this SCAM Company. I received a call today ; ( XX/XX/XXXX at XXXX XXXX  from " XXXX '', the Finance Manager and he asked me if I could pay the {$390.00} that is owing on truck, I said " no '' and I 've already paid you people and sent over documentation. He went on to say that they have not received a single payment and if I could bring truck back to them if he enabled it. File No ; XXXX Consent Order, this company needs to be shut down. He ( XXXX ) told me that I would need to sign a " release of the loan '' when I bought the vehicle back. Carhop has made deceptive representations to consumers and will do anything to get money from the customers repetitively. They are very unprofessional, rude, uncaring and all that matters is the almighty dollar. One would think that they would have learned their lessons from the Consent order but they continue to practice this way. The vehicle was my only means of transportation and cost me my job and all they care about is $ $ $ $ $ $ and not their customers. I have proof that these payments were taken out of my account and I even emailed everything over to " XXXX ''. XXXX XXXX also provides false information to the three credit bureaus and hinders customers from obtaining credit for home loans, car loans, any type of loan and they have been ordered to pay over XXXX XXXX on XX/XX/XXXX. Why are they still in business and allowed to continue to do this to consumers/customers? Many lives have been affected by their " GREED '' and unlawful practices, it needs to stop now.
Product: Debt collection

I have on disputed this debt ( 3 ) three times with XXXX via phone dispute and letters stating the debt is NOT MINES and I HAVE NO KNOWLEDGE OF THIS DEBT. However, XXXX said they verified the information as accurate but did not supply who they verified the information with. 

Caine & Weiner placed an collection in the amount of {$190.00} on my XXXX credit report. Prior to checking my credit report, I had no knowledge of the debt. I NEVER received dunning letter or phone calls regarding this debt from Caine & Weiner. Therefore I was not afforded the right to do my due diligence to dispute or pay debt before it was reported on my credit. 

The collection agency ( CAINE & WEINER ) continues to report inaccurate negative tradeline on my credit report. I decided to give Caine & Weiner the opportunity to do the right thing and obey federal laws and provide me with concrete proof I owe this debt before taking legal action. 

As an FINAL WARNING before I invoke my right to legal counsel, on XX/XX/2018 another request for the debt to be validated mailed certified to Caine & Weiner ( see attached debt validation letter ) Caine & Weiner has NOT responded to my request or provided any PROOF that I owe this debt. They also have NOT deleted the negative remark from my credit file. 

By reporting negative tradeline on my credit report has defamed my credit history and Caine & Weiner have violated Texas laws as well as federal laws regarding Fair Debt Credit Reporting. 

Prove it or REMOVE it!! As they were so quick to put this on my credit report is how I want them to move to remove it from my credit file. Quick, fast and in a hurry!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Experian and XXXX credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a XXXX thanks in large part to receiving my XXXX grants for my graduate studies. In XXXX of XXXX I was notified by XXXX XXXX XXXX that my " grant '' was now a loan that they were collecting on. I became a certified XXXX in XXXX and am now tenured. I have been with the same employer since XXXX. XXXX XXXX is not interested in working with me and have indicated that they feel justified in collecting money from me that the US Department of Education granted to me. I make sacrifices to continue XXXX ; financial, personal, and professional sacrifices. Please rectify this issue.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted as followed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these accounts have been charged off as profit loss write offs and by law with accounts being over {$600.00} I was suppose to receive an 1099 from all companies in the mail which they have failed to do so how can I be charged for debt that has shown clearly it has been paid with write off and 1099s not mailed by law as stated.

The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In attempted to read out to all credit bureaus regarding incorrect addresses and invalid inquiries on my reports however all three credit bureaus have failed to remove
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX are falsely reporting a collection on my credit report from Jefferson capital systems. XXXX XXXX XXXX don't have a license to collect in illinois which is illegal to reach out to me and illegal to contact me and illegal to attempt to collect from me. Jefferson capital systems, XXXX, and XXXX need to. be sued and shut down by attorney genreral.