23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America will not stop contacting me re : a mortgage modification that I rejected back in or about XX/XX/XXXX. I am attaching a voicemail I received on XX/XX/XXXX from Bank of America 's " NEW Primary Contact ''. As you can see from all complaints that I have filed with the Bureau of Consumer Financial Protection , Bank of America has royally messed up my mortgage account ; violated my privacy and personal information ; misappropriated my escrow funds ; refused to accept my XX/XX/XXXX mortgage payment and the list goes on. Please note that I have left several messages demanding the specific BOA employees, XXXX. XXXX XXXX in XXXX XXXX, NJ and XXXX XXXX who claims to now be handling my " moidification '' to stop contacting me since they have no reason to do so. There is not mortgage modification that I have approved. I have also demanded XXXX to stop contacting me. This company obviously received my mortgage information from Bank of America in order to contact me, without my permission for BOA to release any of my personal information. 

Although I have requested on numerous past occasions that my mortgage account be placed BACK TO " NORMAL '' and to remove if from the modification account they have placed it in WITHOUT MY CONSENT OR ACCEPTANCE of their proposed modification, BOA continues to harass me about my mortgage modification, which I rejected and does n't exist ; is and always has been current and they are now refusing to accept my XXXX mortgage payment that I have been trying to remit since XX/XX/XXXX, at their local BOA office in XXXX, NJ. On XX/XX/XXXX, I was caused to expend {$11.00} in XXXX fees to mail my mortgage payment to BOA via certified mail, return receipt requested. 

Most importantly, I have recently been advised by the Internal Revenue Service that they have " flagged my XX/XX/XXXX Tax Return '' since someone else has attempted to file XXXX using my personal information. This is quite troubling since Bank of America violated my privacy by ( 1 ) employing someone who stole customers ' personal information a few years ago ; and ( 2 ) by recently providing another individual with my mortgage documentation/information, whereby I received that person 's Bank of America letter re : a rental car which was received in an envelope addressed to me. As a result of Bank of America 's failure to protect my privacy and personal information/identity, same has been stolen and the IRS will not release my XX/XX/XXXX Tax Refund. 

Please advise if you require any additional documentation and I will promptly provide same which shall confirm the fraud. Simply stated, Bank of America has violated the Federal Privacy Act, among other illegal acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report Account Number : 1433 This Account is inaccurate and seeking litigation please delete it once 2. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Debt collection

On XX/XX/2023 I received commuitcation through CFPB of an allege debt by COLUMBIA DEBT RECOVERY LLC in reference to account XXXX. Columbia Debt Recovery has violated applicable debt collection laws and regulations, including but not limited to 15 USC 1692. I included the violations on the communication letter sent to me. On XX/XX/2023 an affidavit of truth was sent to COLUMBIA DEBT RECOVERY XXXX XXXX XXXX stating all of these violations. I have included the exact copy mailed to them and the letter they sent to me as well as an invoice per violation.
Product: Consumer Loan

Ally Financial is not reporting my account with 100 % payment history to XXXX which is causing my credit score to be lower on that report. Please report account number XXXX to my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX fcra violation and Regions for not looking at the obviously mistake dropping my score under the required min to get approved
Product: Mortgage

We obtained an FHA mortgage in XXXX 2009 with XXXX XXXX. Shortly thereafter within the same year XXXX XXXX was shut down by the Federal govt. Our mortgage was shipped to XXXX in Virginia. We ran into numerous problems that they did not provide to us ( i.e., original Title policy charged in orig. mortgage, asking us to pay {$10.00} a document when we submitted a QWR asking for the Assignment of Note from XXXX XXXX & discrepancies in Settlement charges ). From 2009 until present, XXXX has given us a plethora of Assignments - XXXX, XXXX, XXXX, XXXX. Approx a yr ago, we received notice form Selene Financing informing us that they would be servicing the Loan. After some months, they informed us that they were the Lender, even though they did n't identify themselves as such when sending us correspondence. They were acting as servicers for XXXX. We asked who sold them the Loan and if they would send us a copy of the Assignment. They told us XXXX sold them the Note, and Selene mailed us a copy of the recorded Note with the FHA #, LoanCare 's acct #, and the MIN # blackened out. What I ca n't fathom is how could XXXX sell the Note/Assignment when they have NO Assignment from XXXX XXXX?! I 've asked XXXX on several occasions to produce the Title policy included in the original mortgage but their response was " We have nothing to do with the origination of the loan. '' I 'm sure Selene will give us the same response. Does this mean XXXX, Selene and whomever comes along out of these tranches can lay claim to the property and not explain the services & charges that were not performed in the origination of the loan? We would like a resolution but we are so very hesitant to deal with these entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 12 CFR Part 1026 ( Regulation Z ) 1026.2 Definitions and rules of construction, while there is a permissible variance to account for weekends, holidays, and differences in the number of days in months, billing cycles MUST BE EQUAL. In this context equal requires that the actual date of EACH statement not vary by more than four ( 4 ) days from a fixed day or date. The interval between the statement with date XXXX XX/XX/2020 and the next subsequent statement generated on XXXX XX/XX/2020 clearly falls outside the statutory definition of equal as applied to billing cycles for my student loans. That is, each statement generated after XXXX XX/XX/2020 constitutes a statement that is offset from the XXXX XX/XX/2020 statement outside of the prescribed interval as established from the date of the first statement. The payment history and information for my student loans that XXXX XXXX supplies to the CRAs is incomplete and/or incorrect and must be immediately removed from all credit files for which XXXX has supplied the information to a CRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts. In accordance with the Fair CreditReporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian, XXXX and XXXX consumer credit bureaus. I would like the following fraudulent account removed from my credit report immediately. 

XXXX XXXX XXXX XX/XX/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 an account without my handwritten instructions.
Product: Credit reporting or other personal consumer reports

I have an old XXXX auto loan on all 3 of my accounts that shows as charge off. 
There is and have been errors i tried to correct & dispute. 
between XXXX, Equifax, XXXX XXXX XXXX. 

XXXX XXXX XXXX Date opened XX/XX/2017 XXXX has enough legal issues on credit reporting where i should not have to be trying to fix this issue for over a year. 

Especially just one of the cases enforced by you " CFPD ' plus others EX : https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and did not open those accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. I would appreciate it if you deleted these items immediately as it is hindering me from moving to a new home. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX  XXXX XXXX and Equifax are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and XXXX Equifax, and XXXX  correct and remove this inaccurate info from my credit report.
Product: Debt collection

In today I received an credit alert stating that this company XXXX XXXX, XXXX. Was collecting a debt for XXXX . This collection agency appeared on my credit reports todate. However they dated the open date for XX/XX/XXXX,2017. This company has never reached out to me informing me that they had received this debt. And that they now were trying to receive payments. I have disputed this company ( XXXX ) in the past. The company could not fully verify the debt was mines.
Product: Credit reporting or other personal consumer reports

I have contacted and disputed multiple times with XXXX XXXX XXXX  and they have continuously violated my consumer rights. They continuously report on my credit report without ever putting my account into dispute status, also not properly verifying the account per the FCRA. This account has continuously been verified without providing any method of verification. Now, I have disputed once again through the XXXX  and they have responded that they my account has been recalled by the original creditor, meaning that they no longer have my account and shouldnt be trying to coooect anything from me nor should they be reporting on my credit report but yet they still remain on my credit report and are still reporting. I demand that this account be deleted IMMEDIATELY. I have attached the necessary documentation to back my claim and also the response from XXXX XXXX XXXX 

Thank you, XXXX XXXX
Product: Mortgage

I began the process of saving our home under the under the Home Affordable Modification Program in XXXX, which by the way save our home and I am very grateful to our government for making this happen. The issue is that I have suffered a devastating impact that is now impacting our small business. Unknown to me at the time, my payments under the trail period would be held and I would have a 90 day late reported on my credit report. I sent a letter to Wells Fargo on XXXX XXXX, XXXX to request the 90-day late XXXX XXXX be removed. I included all the supporting documentation to demonstrate that I had paid my payments on time as instructed by the bank. In addition that I successfully was approved for the Loan Modification. XXXX XXXX, I received a phone call from Wells Fargo requesting me to send them my credit report. XXXX XXXX, I fax the information. On XXXX XXXX, I contact the bank to ensure they had received my fax. Since they had no record of my fax, I asked for a email to send the documentation to and also confirmation of receipt. XXXX XXXX, I received a letter dated XXXX XXXX, stating " Under federal government 's guideline for the Home Affordable Modification Program we are required to report when the account is past due at the beginning of the Trail Period Plan ''. I contact the person that was handling the account and stated I made the payments on time as I was instructed. XXXX XXXX, I received another letter from Wells Fargo stating that more time was required. XXXX XXXX or XXXX, I received a phone call from the person at Wells Fargo handling my request, whereby I was informed that they are unable to change this reporting on my credit report since it is mandated under the Federal Government. I asked them to provide this decision in writing. As of today, XXXX XXXX, XXXX I have not received any written correspondence.
Product: Debt collection

This morning I received 22 computer generated calls to call VW Credit at XXXX. 
Each call was exactly the same in duration and in content. It was strange to me that I had to log into my phone to receive the messages, which is normally on 24/7. 

This is pure harassment. It was a clear violation of the FDCPA and if fines were to be applied, my car 's value would be exceeded in fines alone. 

Yes, I do owe the money and I will pay, though I am considering trading the car in to another dealer and not dealing with VW Credit in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to https : //www.transunion.com/ to get a free credit report. When I signed in, they collected my credit card. I believed all of this information was for my credit report, but then I received an email saying I was billed. 

I found the website of Transunion to be intentionally deceptive. The button I originally clicked to initiate the purchase just said " My credit score & report '' and then I was only told it would cost money in a tiny little bit of text on the larger form. I believe Transunion knows that consumers think they're getting a credit report when it is actually charging them for a paid subscription, and keeps their webpage designed this way to trick consumers for their own profit.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer and based upon consumer law, this corporation can not report transaction history.
Product: Debt collection

The company XXXX XXXX has placed an account on my credit report for a XXXX account that was closed properly in XX/XX/2014. According to my contract with XXXX if I did not receive service in my home I was allowed to terminate. I terminated the account after several attempts to fix the service. I completed a XXXX complaint against XXXX in XX/XX/2014. This derogatory mark on my credit report is a violation of the FCRA.
Product: Debt collection

THEY WENT IN MY BANK ACCOUNT WITHOUT MY AUTHORIZATION. I had a credit line with paypal. Before the account went to collections they tryed to do a ach payment that i did not authorize, meaning they went in to my account without my permission. The bank rejected the request that pay pal attempted. The reason I know they had my account # is because paypal 's representative told me the last XXXX. An she also told me that a representative probably tried to run it after i told one of them not to. I only put my card number on there site. I never linked my bank account number.That is dangerous. so I just gave them my card number. Some how they got my account number.Not only did they do that they told me the amount was due on the thirteenth but attempted the ach on XX/XX/XXXX .To my knowledge that is illegal. The way this whole thing is going is predatory lending. I have received many calls some of the calls back to back on one of those calls a representative was yelling and screaming at me after i told her that I set a payment for two weeks later .I will never ever work with pay-pal ever because if i had money in that account they would of taken it without consent.They already have a class action lawsuit against them as we speak. So at best they are Shady.
Product: Mortgage

I mailed a check on XX/XX/XXXX for a total of {$50000.00}, which included my monthly mortgage payment of {$1800.00} and an extra payment of {$48000.00}, which is the proceeds of the sale of my former home. This check was deposited by The Money Source ( TMS ) on XX/XX/XXXX ( see attachment ) and then backed out of my account on XX/XX/XXXX, when my account was transferred to my new loan servicer, XXXX. I was not informed that my payment would be backed out of my account, the payment has not been transferred to my new account at XXXX, and I no one has been able to tell me when ( or even if ) the money will be either transferred to my new loan servicer or sent back to me. Below is a timeline of events with evidence attached to this complaint as available. 

XX/XX/XXXX - Check deposited by TMS ( cancelled check attached ) XX/XX/XXXX - funds backed out of my account ( account activity attached ) XXXX - I called TMS customer service and asked for an explanation and update as to when the money would be sent to XXXX. I was promised a phone call by XXXX XXXX - I called for an update since first representative never got back to me, was promised a phone call by XXXX XX/XX/XXXX - I called again for an update as XXXX rep never got back to me, was promised a phone call XX/XX/XXXX XX/XX/XXXX - I called again for an update, as XX/XX/XXXX rep never got back to me, was not able to get one, spoke briefly with XXXX -- Supervisor. He has promised me a phone call ( with or without update ) on XX/XX/XXXX XX/XX/XXXX - I emailed XXXX XXXX - VP of Customer Experience - with full explanation. On XX/XX/XXXX She says she will hopefully get back to me by XX/XX/XXXX. ( email exchange attached ) XX/XX/XXXX - Called a rep ( from XX/XX/XXXX call ) who had given me their extension. No answer and no call back, I left a messages requesting a call back with or without an update. XXXX - Supervisor - who promised to call me today did not call. 

At this point, TMS is costing me money by holding the payment, both from PMI that could be removed from my loan and in interest earned on the balance on my loan.
Product: Credit reporting or other personal consumer reports

I was viewing my credit report and notice several unauthorized inquires.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$280000.00} XXXX XXXX XXXX Balance : {$620.00} XXXX  XXXX XXXX Balance : {$3800.00}
Product: Consumer Loan

While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by BB & T Dealer Finance on XXXX XXXX. I did not authorize any employee of BB & T to review my credit report at any time. This action is innclear violation of my FRCA and Privacy Acts. I had requested that BB & T provide me with any documentation to validate this inquiries within 5 business days and they have failed to do so. I am requesting that these adverse information be permanently deleted from my credit profile as they have resulted in my inability to secure an employment or housing and obtain new credit.
Product: Credit reporting or other personal consumer reports

Hello on XX/XX/year> I submitted a request to transunion to provide information about some personal information listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.
Product: Debt collection

I 'm receiving calls multiple times a day with only a voice message left by Citibank to contact immediately. When I call they have no record of mine name just phone number. I 've asked repeatedly for them to stop calling but they tell me they can not do that. 

Numbers involved : XXXX XXXX My registered phone number is XXXX they above numbers call me multiple times a day automated. Please help make them stop!
Product: Debt collection

CFPB just found this company to wrongfully try to collect a bogus Debt from me. They have since removed their collection from my  XXXX  credit report but now have appeared on my  XXXX . This company told the CFPB that they would remove EVERYTHING associated with me immediately. They have NOT. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used numerous times with plenty of fraud accounts opened over time. Here are the fraud accounts Ive discovered so far : XXXX XXXX ; Opened XX/XX/XXXX Balance {$5700.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  ; Opened XX/XX/XXXX Balance {$96.00} XXXX  XXXX   ; Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX ; Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance {$190.00} XXXX  XXXX  ; Opened XX/XX/XXXX Balance {$1400.00} XXXX  XXXX  XXXX  ; Opened XX/XX/XXXX Balance $ XXXXn XXXX  XXXX XXXX ; Opened XX/XX/XXXX Balance : {$210.00} XXXX  XXXX  ; Opened XX/XX/XXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX opened XXXX XXXX on XX/XX/XXXX with the balance of {$17000.00}, a XXXX XXXX  account opened at XXXX on XX/XX/XXXX with the balance of {$110.00}, a XXXX XXXX opened at XXXX on XX/XX/XXXX with a balance of {$5.00}, XXXX, and a XXXX XXXX opened at XXXX XXXX XXXX on XX/XX/XXXX with the balance of {$220.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.