23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Upon information and belief my mortgage was fraudulent, and it is taught in every law school that ( FRAUD CANCELS ALL CONTRACTS ) which is the law! 

I was paying my mortgage promptly in 2009 and about that time the last two mortgage payments I made was returned to me by BOA. I believe that they realized that their fraud was now out in the open so to make amends for their past sins against me they continued to pay my taxes and insurance but kept the title to my property illegally.

I did not realize that they were keeping the title illegally on my home and now they have presented me with a bill charging me years of taxes and insurance that they paid on my behalf. This is not my liability as I did not ask them to pay this.

I applied for and got homeowners insurance recently in the amount that was necessary which was. BOA claims that my insurance is much more when they buy insurance at wholesale levels which is far above what I paid.

Therefore, it should be determined that their illegal conduct on my mortgage and claims against my property should be terminated with no cost to me due to my age and physical condition. This should be done promptly so I can plan for whatever future I may have.

The harassment and elder abuse to me must end. I'm dealing with recovering from XXXX and XXXX among other ailments. Therefore Bank Of AmericaXXXX. XXXX must be compelled to turn over the clear title to me with no claims or off sets they should not benefit in any way to their fraud. No rewards for fraud!! 

Ive had this property for 30 years or more Ive maintained it and made several improvements including a new water tank, heating system, chimney, roof etc Im recovering from XXXX and at my age I will be 86 this year the recovery takes at least a year or more Im a XXXX veteran with additional claims pending such as XXXX ( see attached ) and other injuries due to my military service that are yet to be resolved My original mortgage was with Bank Of America ( see attached ) they were found guilty of fraud for over 8 billion dollars and as fraud cancels all contracts their claim mortgage is not valid nor can they sell or assign what they dont own. It appears that unbeknownst to me my property and I have been involved and participated without my knowledge. 
There are probably other material facts that should prevent foreclosure of my property since I am no longer employable. My only income is social security and XXXX veterans benefits, it would be proper for a foreclosure on my property to be cancelled and I should be able to live there peacefully and indefinitely. 
On ( include year of the checks ) I received the attached two checks in the mail which corresponded to my last two payments that I made, I brought the checks to the Bank Of America in XXXX and spoke to the manager, he asked for a few minutes to do the research and shortly after he told me my mortgage had been payed off.
Product: Credit card or prepaid card

Citi Bank has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act.
Product: Debt collection

They keep calling my land line phone number to collect a debt for the person who, apparently, used to have my current phone number. I 've had this phone number for approx. 5 years now, and they continue calling for someone else, asking if I know this person, if I have any information about their whereabouts, etc. I have no idea who this person is or where he is, etc, I 've asked them to stop calling my number, and they keep calling it.
Product: Credit reporting or other personal consumer reports

I disputed all charge offs in my credit report. The creditor claims it is still owed, but also wrote it off as a loss Inconsistent financial reporting. Per, Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) Requires furnishers ( creditors, debt collectors ) to report accurate information.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.
Product: Money transfer, virtual currency, or money service

Funds were not transferred appropriately issues persistent
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request for Removal of Debt Older Than 7 Years from Credit Report Dear Sir/Madam , I am writing to formally dispute and request the removal of debt older than 7 years from my credit report. As per the Fair Credit Reporting Act ( FCRA ) section 605 ( a ), any derogatory information or negative account that is more than 7 years old should not be included in my credit report.

Upon reviewing my credit report from your agency, I have identified several accounts that are inaccurately reflecting debt that is beyond the 7-year time frame. This violates my rights as a consumer and misrepresents my current financial situation.

I kindly request that you promptly investigate these discrepancies and remove any accounts that fall under the aforementioned 7-year period from my credit report. Furthermore, I urge you to cease and desist from reporting any information related to these debts on my credit report and refrain from any future reporting that is in violation of the FCRA. 

According to the FCRA, credit bureaus are responsible for ensuring the accuracy of the information they report. It is crucial for you to comply with the law and maintain accurate credit reports, which play a significant role in determining my creditworthiness and financial opportunities. 

I expect your agency to complete a thorough investigation into the matter within 30 days, as required by the FCRA. In the event that these accounts are not removed as per the law, I may be forced to take further legal action to ensure my rights are upheld. Please consider this letter as an official notice of my intent to escalate the matter if necessary. 

Enclosed with this letter, please find supporting documents that clearly outline the inaccuracies on my credit report. I kindly request that you review these documents in conjunction with your investigation. 

I am confident that you will address this dispute promptly and take the necessary steps to rectify the inaccuracies on my credit report. Your full cooperation is expected to resolve this matter efficiently and in accordance with the law. 

Thank you for your immediate attention to this important matter. I request written confirmation of receipt of this letter and updates on the progress of your investigation. 

Yours sincerely
Product: Debt collection

Against : ARC MANAGEMENT GROUP , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX - GA XXXX ( XXXX ) XXXX I have been pursued for a debt of {$2400.00}, which is claimed to be owed to XXXX XXXX XXXX XXXX XXXX Upon requesting my records from XXXX XXXX XXXX XXXX, I received documentation detailing past and current balances, indicating payments made by either my insurance or myself. I provided these documents to the party in question, but they refused to accept them as evidence. Additionally, in the documentation they provided to substantiate my ownership of this debt, they inaccurately listed me as an employee of XXXX XXXX in XXXX, despite my employment with the company having ceased in XXXX. They have also insisted that I provide proof of payment and supplied an invoice number to contact XXXX XXXX XXXX. However, XXXX XXXX XXXX has denied any record of such an invoice and directed me back to ARC Management Group , LLC to furnish my statements demonstrating a clean account without any outstanding debt. 

This situation has had a detrimental impact on my credit score and has hindered my ability to progress with a home purchase. Despite this, they have persisted in refusing to remove the debt from XXXX, the sole credit bureau where this collection is reported. It is disheartening that individuals or entities can inflict such harm on someone's credit without adequately verifying the information they possess. They have neglected to contact XXXX XXXX XXXX XXXX, which would have revealed that I do not owe any outstanding amount there. 

I am appalled by the actions of this company and the damage they have caused to my credit. Not only have they failed to verify the accuracy of their information, but they have also neglected to provide evidence substantiating my liability for the debt, which I know to be unjust. XXXX XXXX XXXX XXXX is also aware of this fact. 

I trust that this matter can be resolved promptly and that the erroneous collection from XXXX will be rectified without further delay.
Product: Credit card

I paid my credit card minimum payment on the due date and was charged a late fee. Requested a courtesy refund/credit and was denied. I tried to escalate and they said there is nothing we can do. Not very helpful with consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX has violated my rights 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am making this complaint to alert you that I was the victim of identity theft. I recently obtained a copy of my credit report and was surprised to discover that there are numerous accounts on it that I did not open and am unaware of. I investigated how to delete the false accounts on my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to make a report and that Credit Reporting Agencies are obligated to remove any accounts listed on an ID THEFT REPORT under FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. I'm talking about the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer designates as information resulting from an alleged identity theft within four business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent investigation letters to each of the XXXX credit reporting bureaus on XX/XX/XXXX, to investigate the XXXX XXXX account XXXX on my credit report. Each of the credit bureaus conducted an investigation and concluded that the account was verified and updated. Yet, at the end of the investigation, the payment history across the XXXX bureaus is not 100 % accurate. 

For instance, after their investigation, XXXX reports that the XXXX XXXX account ending in XXXX was 150 days late on XX/XX/XXXX, then there is no data until XX/XX/XXXX illustrating the account as a charge off. XXXX and TransUnion, on the other hand, both report that I am 120 days late on XX/XX/XXXX. For XXXX, there is NO DATA until XX/XX/XXXX when the account is reported as a charge off through XX/XX/XXXX. TransUnion is reporting a charge from XX/XX/XXXX to XX/XX/XXXX. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), if an item is found to be inaccurate, the credit reporting agency should delete the account from the file of the consumer.
Product: Debt collection

Hello The collections on my report XXXX XXXX XXXX in the amount of XXXX XXXX ( opened date XXXX/XXXX/XXXX ) They have refused to remove this account from my 3 reports. The 2nd account is XXXX XXXX XXXX in the amount XXXX XXXX ( opened date XXXX/XXXX/XXXX ) both company 's have refused to remove this from my report.
Product: Vehicle loan or lease

Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. See, 15 U.S.C. 6802 ( b ) In reference to the account ending in XXXX, I was never provided with the option to opt out of the furnishing of my private information to Credit Bureaus. I did not under any circumstance, subscribe or agree to the sharing of my information & I have incurred damages due to the tarnishing of my Financial Reputation without my permission. 

There was also an issue of the mischaracterization of charges, which I challenged by requesting the itemization of the finance charge. The company has failed to provide me with the itemization of the finance charge, thus failing to provide true & accurate validation of debt. The importance of understanding the content of the finance charge is paramount to validating the validity of the contract under Federal Regulation. 

The purpose of this consumer purchase was to acquire a vehicle for personal use & it clearly states that the holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained pursuant thereof or with the proceeds thereof, on the back of the contract.
Product: Mortgage

I tried to get a modification and was denied.I need help. I lost my job in XXXX and couldn't afford my mortgage, because I only receive XXXX monthly
Product: Credit reporting, credit repair services, or other personal consumer reports

-Purchased a washing & dryer from XXXX XXXX XXXX, XXXX -Had multiple problems with deliveries -Once the items delivered the washing machine began to malfunction -I paid every month on XXXX & paid off in full in XXXX XXXX -I was NEVER late and paid on time every month prior to the payoff -The washer has had XXXX repair appointments -The washer is currently not working -The washer is still under warranty -XXXX is reporting me paying late XXXX time in XXXX XXXX XXXX have contacted XXXX XXXX XXXX XXXX different times -I have was treated XXXX disrespect and XXXX has refused to correct inaccurate report -I owe NO money -I do not have a working washing machine -The inaccurate report is the ONLY late payment reporting on my credit report -I was also insulted by the XXXX XXXX with a negative XXXX stereotype
Product: Debt collection

This company is attempting to locate me. I tried to call and was told the person was unavailable. This compa ny CFS ( Commonwealth Financial Systems ) co ntacted my brother who resides in a different state. The representative was rude and used profanity. The company 's address i s Commonwealth Financial Systems    XXXX   XXXX   XXXX   XXXX   XXXX  , Pennsylvania  XXXX  I will leave a message for this company to not call me or my family as of   XXXX   XXXX   XXXX    . I have never received any documents or correspondence in regards to their alleged dispute.
Product: Mortgage

When feasible I try to make additional payments of my mortgage. Ie : On XX/XX/23 I paid ahead for my XX/XX/23 payment. Check # XXXX amount of {$850.00}. Then on XX/XX/23 I paid XXXX mortgage payment of again : {$850.00} & check # XXXX. So my next mortgage payment is due XX/XX/23. I did make an inquiry of this & received a message from Chase that additional payments would be applied to the principal. This is the 1st I am hearing of this. I like to go ahead & make added payments when I can as w/ today 's economy I get concerned re : keeping roof over my head. Especially being a senior on a fixed income. I am lodging this complaint because this is the 1st I am hearing of " any additional payments would be applied to principal! '' So, Chase did NOT inform me of this earlier so there was NOT any " full Disclosure '' in this regard.
Product: Student loan

I have been unable to login to the Nelnet website for well over a week. There has been no communication from the company regarding issues with their website. While searching online for a solution it appears that many people are having the same issue.
Product: Credit reporting or other personal consumer reports

XXXX will not remove two fraudulent credit inquiries that financial institutions made without my consent. These companies allowed an individual to apply for personal loans without verifying my identity and this resulted in a negative impact to my credit score. even though I am a victim of identity theft, experience continues to refuse to remove the two inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MARINER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

My complaint is geared towards the benefits of the CARD act of 2009. The card act states that the card company must apply payment towards highest APR for any promotional balances on your card except in the ending 2-3 billing cycles for a lower APR. 
CITI bank credit card FAQ reflects this information and even references the CARD act in multiple locations on their website. 

Here is my problem. I had an introductory balance transfer at 0 % for 18months. around 12 months into it i did a balance transfer at 1.99 %. For the last 6 months of the 0 % very little of my payments went toward my 0 % balance. I expected payments made during the last 2 or 3 billing cycles to be applied to the balance so i paid accordingly to get my 0 % balance to {$0.00} so as to not have a balance that rolled over to 15.99 %. This was not the case and the majority of those last 2-3 payments went toward the higher APR balance. 

CITI told me that only the payments made after the balance has been rolled into the 15.99 % will be credited toward the lower APR ( basically it would be impossible to pay off any substantial amount before 0 $ promo ended ).

I mailed a letter and payments, statements, and screenshots from their website indicating such information to CITI and I received a letter back stating that they only apply payments to the higher interest rate. WHICH IS WRONG!!!! 

After the final bill came out with the 0 % balance switching over i paid the balance and it still was not reflected on the proper balance so i ended up getting a few hundred dollar balance with interest acruing on it. 

I asked for an extended period of 2 or 3 months to make additional payments against at 0 % since they did not honor the CARD act properly. I was given no such option.
Product: Checking or savings account

I had opened a checking account with PNC Bank. On XX/XX/XXXX, I tried to close the account. I chatted with a PNC service rep online to close the account. He sent a link that didn't work. I explained to the rep and finally could submit the closure form. So far the account hasn't been closed and the bank has charged fees. Hence, the account is in a negative status and when I tried to contact customer service, I was told, I have to make the account as XXXX or positive balance before it can be closed. I explained to the rep that on XX/XX/XXXX, the account had a XXXX balance when I first requested to close the account and filled the form. The rep said, he/ she can't help. Hence, I am reaching out to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). XXXX  has been non-compliant and didnt complete the dispute in 30 days. I further remind XXXX as in XXXX v. TransUnion Corp., No. XXXX ( C.D. Cal. XXXX, XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account due to a security freeze on my profile and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Product: Debt collection

My Barclays Bank credit card was canceled in XX/XX/XXXX and was inactive since XX/XX/XXXX. Upon cancellation I was reissued another credit card that was never activated. In XX/XX/XXXX I was charged a {$95.00} annual fee for the new credit card ( that was never activated ) and was unaware a fee was outstanding ( because I didnt have the credit card and was inactive ). Barclays Bank submitted the {$95.00} fee to the credit agencies in XX/XX/XXXX, which in turn significantly impacted my credit score, in the middle of a home purchase. Barclays removed their annual fee and acknowledged it was incorrectly charged. However, the damage to my credit score has already been impacted, Barclays refuses to provide any communication of the good standing balance and have cost me a significant amount of money and time. We lost the purchase of our home due to their submission. My credit score was impacted a 150 points in a matter of a month because of this sole submission by Barclays Bank, which was an incorrect charge and was a charge from Barclays ( not a 3rd party vendor ). I have made numerous calls to Barclays and have been told they can not provide me with a letter. This is specific to the XXXX XXXX Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my account. 
I never applied for this company. I think, that somebody used my personal information and applied for it.
Product: Checking or savings account

Opened a checking account with Citi in part, to obtain the bonus they advertised for people who deposited over XXXX and maintained at least that balance for 60 days. However, no bonus has ever been paid. 

Funded/Opened XX/XX/21