23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a chapter XXXX bankruptcy all arreage payments were made and current payments to the lender and were credited and current, during this time the bank was charging us extra fees. We made our current payments after we opted to transfer to a chapter XXXX to clear our other debt. The lender accepted these payments then sent our XX/XX/XXXX payment back and put a forclosure sale date on our home even though we were current. The bank will not speak with us we have been trying to communicate since XX/XX/XXXX when we found this out. We have the banks attorney and our attorney trying to get this straightened out. We have received 5 diffrent payoff requests from the lender that do not even match our balance, once again they will not communicate with me or my attorney. We have all documentation of payments made through our bankruptcy and my current payments that were accepted.They have now returned XX/XX/XXXX payment and have said we have not made payments since XXXX XXXX that were made through bankruptcy. Our reinstatement was paid in XX/XX/XXXX the court paid XX/XX/XXXX and XX/XX/XXXX payments we paid XX/XX/XXXX and XX/XX/XXXX.
Product: Mortgage

Between XX/XX/XXXX and XX/XX/2019, we applied to Bank of America for a HELOC of {$500000.00} or so. At the time BOA was running a promotion rate of prime minus 1.51 %. We learned about the rate on BOA 's website but decided to work with a loan officer introduced by a XXXX XXXX investment advisor. The loan officer 's name is XXXX XXXX XXXX, VP, Wealth Management Lending Officer of Bank of America ( NMLS XXXX ) at XXXX XXXX XXXX, XXXX, NY XXXX. 

Both my husband and I have spotless credit history and very high credit score. We have been a BOA customer for over 15 years. By XX/XX/2019, we supplied Mr. XXXX all application documents including personal tax returns and proof of primary home insurance. On XX/XX/XXXX we also accommodated the appraiser sent by BOA to evaluate our house. But Mr. XXXX insisted on us sending my husband 's business tax returns and financial statements. My husband is only one of the three partners of his business. He does not have the authority to disclose his business 's financials which he only owns one-third of. Despite our repeated explanation, which was backed by the business 's accountant, Mr. XXXX denied our HELOC application. 

We feel strongly that Bank of America treated us unfairly by denying us a home equity loan. Since my husband 's business is neither a party to the loan nor a guarantor, it is inappropriate for BOA to ask for financial records of the business. What's more, the business is a separate entity co-owned by other people who have nothing to do with our HELOC application. And to deny us a loan because we failed to supply documents that we can not legally share is outrageous. 

I should also mention that when Mr. XXXX emailed us the Bank 's decision, he directed us to the XXXX XXXX   investment advisor, whom I mentioned in the beginning, by copying him in the email ( totally ignoring our privacy ). The investment advisor has tried for years to gain our business and manage our brokerage assets. By denying us the HELOC, Mr. XXXX intended to blackmail us into opening a brokerage account with his partner at XXXX. This is business practice in its ugliest form. 

We have been XXXX XXXX XXXX retail customer since the beginning of our career. We are dubbed their preferred clients. If even preferred clients are treated unfairly or even extorted in time of need, can you imagine what an average customers treatment would be like?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( XXXX. XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX. XXXX XXXX - XX/XX/XXXX ) ( XXXX. XXXX XXXX - XX/XX/XXXX ) ( XXXX. XXXX XXXX - XX/XX/XXXX ) Has violated my rights ( Noted ) all of the above Accounts have been negatively closed. 
15 USC 1681 A. section 2 : states I have the right to privacy.

15 USC 1681, section 60 for a section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report in containing any of the following items of information any other adverse item of information other than records of convictions of crimes, which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if The I can person knows, or has reasonable calls to believe that the information is in accurate.
Product: Debt collection

My account is currently in collections and it is occurring interest monthly. I was told that no interest would occur on the account. My credit score is dropping monthly due to interest being occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and was notified by XXXX that my account may have been exposed to a data breach. 

Please help me remove this fraudulent account from my credit reports. I reported this to Federal Trade Commission. I will attach in this complaint my FTC report, ID, proof of address, and social security card. 

Please delete this fraud account from my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

Account name XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or recorded fraudulently in my name as a result of the breach. 
Please see the affected accounts and inquiries below : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found an account that is not mine. The account is with collection agency I C System with a balance of {$260.00} and an original creditor of XXXX XXXX. I have never done business with either of these companies and this account is not mine. My name is XXXX XXXX XXXX, and my father 's name is XXXX XXXX XXXX. I believe this may be his account and if not this account is fraudulent.
Product: Mortgage

on XX/XX/XXXX I was contacted by my homeowners insurance agency XXXX stating they did not receive my payment and it is due by XX/XX/XXXXXXXX  which is a Sunday. I called Mr. Cooper and could not get a live agent on the phone, I tried several numbers. XXXX at XXXX also tried to call Mr. Cooper and could not get a live human being. On XX/XX/XXXX, I paid my mortgage insurance in full myself so there would not be a lapse in coverage in the amount of {$1100.00}. It is now XX/XX/XXXX and I have be promised atleast 6 times by Mr. Cooper that my insurance payment would be overnight mailed. Yesterday XX/XX/XXXX they said it was released then today XX/XX/XXXX XXXX said it was canceled again and not released. They also told me I was behind on escrow {$3800.00} and then changed their mind and said today I was overpaid. At this point, I need my mortgage payment sent ASAP. I put it on my credit card and had to pay fees and possibly interest. I have been calling consistently since XX/XX/XXXX. My loan was transferred to Mr. Cooper in XXXX of XXXX from XXXX against my wishes.
Product: Credit reporting or other personal consumer reports

Complaint Details Issue Summary I am filing this complaint to address inaccurate and unvalidated collection accounts on my XXXX, XXXX, and TransUnion credit reports. These debts, associated with various collection agencies, appear to have been purchased or assigned by third-party debt collectors. 
Despite my requests for validation, proper 1099-C documentation ( if the debt was canceled ), and proof of the alleged balances, the reporting remains incomplete and incorrect on my credit file. 
Accounts in Dispute XX/XX/XXXX ( Account # XXXX ) XX/XX/XXXX ( Account # XXXX )XX/XX/XXXX( Account # XXXX )XX/XX/XXXX ( Account # XXXX ) XX/XX/XXXX ( Account # XXXX ) XX/XX/XXXX( Account # XXXX ) [ Duplicate? ]XX/XX/XXXX ( Account # XXXX )XX/XX/XXXX ( Account # XXXX ) XX/XX/XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) Why These Accounts Are Inaccurate Lack of Validation : I have requested proof that each debt is valid and collectable. To date, the collection agencies/creditors have not provided adequate validation or original contracts to confirm the legitimacy of these debts. 
No 1099-C Provided : If the debts were partly or fully canceled, they should be accompanied by a 1099-C. The agencies have not shown whether they properly filed such documentation, raising doubts about the debts status.

Incorrect Balances : The amounts reported do not align with any proof of what the collection agency actually paid for these debts or if they were partially canceled/forgiven.

FCRA Violation : Reporting debts that can not be validated, are inaccurate in amount, or potentially forgiven/canceled ( without 1099-C ) contravenes the Fair Credit Reporting Acts requirement to maintain complete and correct data.

Actions Taken Dispute Letter : I sent a dispute letter to the collection agencies requesting validation of the debts and confirmation of whether a 1099-C was issued, but they have not satisfactorily addressed these concerns.

Requests to Remove : I have asked for these items to be removed from my credit report if not validated, but they remain on my file, negatively affecting my creditworthiness.

Harm or Impact on Me Credit Damage : The presence of unverified collections is harming my credit score and my ability to obtain financing on fair terms.

Inaccurate Credit File : My credit report does not reflect an accurate picture of my financial obligations, violating my rights under the FCRA.
Product: Credit card or prepaid card

I got my Blue Cash Preferred credit a year ago. I received a welcome bonus of {$350.00} XXXX months after having the card. Last month I called to cancel my card and amex representative never told me anything about them charging back the bonus. So after closing my account a few days later I received a {$350.00} charge to my account!
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Midland Credit Management. 


After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Debt collection

I am attempting to dispute a debt that i do not owe. The alleged debt is for a store card that i paid off in XX/XX/XXXX. I received my final statement from them, validating that i did not owe anything on my account in XX/XX/XXXX. As a matter of fact, my account had a - {$10.00} balance on it as i hade made a return after i paid off my balance. Regardless, i did not owe them anything. That was the last i heard from them as i have not used that card since. The in XXXX of this year, XX/XX/XXXX, i received a letter from midland credit management stating that they bought my account and that i owed {$390.00}. I immediately disputed this claim, sending them the last statement i received in regards to my account. I requested they look into the matter. In response, they sent me the XX/XX/XXXX statement showing i paid my balance in full, I paid {$10.00} more to be exact because of the return. The statement they sent me clearly showed that i owed nothing, yet they still claimed i owed the {$390.00}. I mailed them again requesting validation as to how a - {$10.00} balance turned into me owing the said amount on my account. They mailed me no such validation, simply a letter stating that their records show i owe the said amount and if i wished to dispute it i should send documentation that the account was paid off, which i had already done previously. I am beyond frustrated with this whole situation and their handling of this matter. Upon investigation if this company, they have had multiple complaints against them, including multiple government actions and subsequent ruling against the company for violations of the law regarding debt collections, attempting to collect debts from the wrong people and the filing of false affidavits in court. 
XXXX XXXX company needs to be shut down so they cant harass and scam anyone else. They obviously have learned nothing from their past wrong actions.
Product: Mortgage

I bought my house at XXXX XXXX XXXX, XXXX XXXX, IL XXXX on XX/XX/year>. My mortgage company is Shellpoint Mortgage, my mortgage number is XXXX. Shellpoint has not paid my full property tax payment out of my escrow account. They only paid half. Now the other half is delinquent with a penalty fee attached and has been put up for property tax sale. 

I have been trying for months to get Shellpoint to pay the other half of my taxes. They keep claiming they are going to pay it but they do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to DELETE & REMOVE these Fraudulent Accounts IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 [ TRANSUNION ACCOUNT ] In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. 

The selected laws are as follows : 15 U.S.C. 1681s-2 ( A ) ( 1 ) [ A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Checking or savings account

I've had an online savings account with Capital One for as long as I can remember. I originally had an account with ING Direct, which Capital One took over.

In XX/XX/year>, I realized that my 360 Savings account was paying an interest rate significantly below market. I called Capital One, and they informed me that in order to get the market rate, I'd have to close my existing account and transfer my funds over to a new 360 Performance Savings account. Customer service said all the terms were the same EXCEPT for the interest rate that was paid. I made the change with them in a process that took seconds -- This should've been an automatic process. 

This is fraud. Capital One owes me thousands of dollars for the difference in interest paid. The money owed can be calculated down to the XXXX.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  Inquiry {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00}
Product: Debt collection

Due to Covid19 and loss of business income, I had a vehicle I voluntarily surrendered to XXXX XXXX, that vehicle was sold on XX/XX/XXXX, I received a letter from XXXX XXXX on XX/XX/XXXX stating what my deficiency balance was. On XX/XX/XXXX, I tried to call XXXX XXXX and was routed through their automated system to Constar Financial as it indicated my account had been turned over to them for collection. I tried for several days to reach Constar and  finally on XX/XX/XXXX, was able to reach Mr. XXXX XXXX with Constar.  Upon my conversation with him, a settlement agreement was made in the amount of {$4200.00}. I gave him account information for which to take that payment out of. I was told that once that cleared my bank account, I should call back in and they could then issue me a receipt and also would notify XXXX XXXX At that time that my payment was made in full and had cleared. Since XX/XX/XXXX, when I was notified by my bank that the payment to Constar Financial had processed and cleared, I can't get anyone to answer the phone. I have called daily if not multiple times a day since XX/XX/XXXX and left at least one if not more messages a day requesting a receipt for this payment beyond what my bank statement has already showed. There has been no answer on their end nor any attempt to call me back. I would like to get this settled and have formal receipts from Constar so that I can show this paid and also so that XXXX XXXX   will show this has been paid.

You'd think after handing this company over {$4200.00}, they could do a much better job in customer service. 

XXXX XXXX XXXX XXXX XXXX, KS