23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, XXXX  anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, I C SYSTEM failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
I C SYSTEM Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
I C SYSTEM Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Product: Credit reporting

This account was open in XXXX 2008. I have never made a payment on this account and the name that appear on the Judgment is not my name. I have requested Trans Union to validate this account many time Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ]. I ask that this account be deleted from my credit report. XXXX XXXX
Product: Checking or savings account

My wife and I do all of our banking through Commerce Bank and have for 20+ years. We have multiple accounts held with Commerce, including a savings account that was setup many years ago for one of our children. Given that my child is a minor, my wife was/is setup as the custodial on his account. We placed roughly {$1000.00} in the account many years ago and have left it alone as a savings account for our child.

We receive the monthly statements on the account. After reviewing the most recent statement, we discovered that the entire balance was unknowingly transferred to the state of Missouri. We received no correspondence whatsoever before this action was taken ( no email, letters, or phone calls ). Commerce Bank simply decided that because there hadn't been any activity on the account for some time that they would just send all funds to the state without providing us any notice. 

I'm very upset about this. Our address was correct on the account and we have been long-time loyal customers of Commerce. Further, all of our other accounts were actively being used, so Commerce had all of our current contact info on file. Finally, at no time were we contacted before this ridiculous action was taken.

When I called, I was told " sorry, that's just the normal process when an account goes dormant and we can not locate you ''. Yet, Commerce was not able or willing to provide a copy of any of the correspondence that they supposedly sent to us regarding the dormant account. 

As a result, I now have to go through the state of Missouri 's process to get my own money back, likely incurring fees. 

I think it's only fair that the money that was sent to the state be placed back into my account and that I be compensated for my time and hassle of what appears to be a very poor practice by a well respected community bank.
Product: Mortgage

XXXX. On XX/XX/XXXX my husband of over 20 years tragically took his own life. He was the sole income provider for myself and our children. 
XXXX. I subsequently paid {$170000.00} to Santander, which was applied to the subject loan. 
XXXX. Around mid-XXXX XXXX, I attempted to have automatic monthly mortgage payments withdrawn from my account by Santander. At the time, these monthly payments were {$95.00}. I provided bank account and routing numbers, and the individual assured me that automatic payments had been set up. 
XXXX. I subsequently discovered that the automatic payments were not in effect. 
XXXX. I do not have representation in this Foreclosure case, and on multiple occasions, I contacted Santander in an effort to resolve any existing default but they refused to speak to me. These calls occurred throughout the fall of XXXX. 
XXXX. On XX/XX/XXXX, Santander 's council filed an affidavit of compliance with EMAP ( Emergency Mortgage Assistance Program ) which incorrectly states that the borrowers are deceased. I am the borrower referred to in Paragraph XXXX of Santander 's Complaint, I reside at the property. Therefore, EMAP is applicable to this case. 
XXXX. The subject real property has a value in excess of {$400000.00} and Santander 's debt is less than 10 % of the property 's value. 
XXXX. The last mortgage statement provided by Santander says the minimum payment due is {$18000.00} which includes {$14000.00} in " Fees Due ''. The amount of the fees claimed in the mortgage statement greatly exceeds the amount of fees claimed in Santander 's Affidavit of Debt filed on JXX/XX/XXXX. 
XXXX. In XX/XX/XXXX I called Santander to discuss the minimum payment of {$18000.00}. Santander refused to speak to me on the matter. 
XXXX. My XXXX children reside in my home. 
XXXX. I wish to participate in loss mitigation with Santander to resolve this matter but have been unable to do so, as Santander refuses to speak with me.
Product: Credit card

On XX/XX/year> I sent a letter to the creditor to provide me with the information listed below : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. The creditor received the letter by certified mail on XX/XX/year>. They responded outside of the 30 day window
Product: Credit card

Got an alert on my Bank of America app ( XX/XX/2023 ) saying that a credit card ( Bank of America Customized Cash Rewards ) that I had recently opened and started using was locked due to suspicious transactions. I had made two transactions two weeks previously ( XX/XX/2023 and XX/XX/2023 ) in order to get the rewards bonus. Called the bank on the same day via the number that was listed on the app and they initially said that they couldn't authenticate me nor see my account details. The option was to either call them from the app but through the help/support feature ( XXXX ) from their app or by going into their local branch with two pieces of ID. 

I then tried the easier option which was to contact support via their XXXX feature. The rep was able to see my details then but said that he still couldn't do anything without me going into a local branch and get verified there. However, Bank of America doesn't have any local branches in Hawaii. In the meantime, the card is locked. It doesn't appear that there were other suspicious transactions other than the ones that I had made myself. 

I'm hoping that I can at least pay off the balance with the card being locked and would hate to be penalized on my credit score if I'm not able to pay the balance on a locked card. I would also like to redeem my reward bonus since I've met their XXXX XXXX XXXXXXXX but it's not clear that I can do this if the card is locked. 

This isn't really a viable option for Bank of America customers living in Hawaii to get verified if they encounter problems like this with their cards.
Product: Credit reporting or other personal consumer reports

INACCURACIES LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Hereby requesting that you immediately block this information from my credit report, as it is the result of identity theft, pursuant to section 605b of the fair credit reporting act and XXXX XXXX compliance please send the required notifications to all furnisher of information regarding the blocking of this dat
Product: Credit reporting, credit repair services, or other personal consumer reports

Colorado Bank State & Trust was our mortgage broker. It is reporting as BNK Oklahoma. When we had to pcs we found tenants right away for the first year. The second year we were struggling to find a tenant. I called into Colorado Bank State & Trust to defer the payment for XXXX and XX/XX/2017. Once we got tenants in I called back and paid XXXX and XXXX in XX/XX/2017. The first amount was for {$2300.00} on XX/XX/2017 and the second amount was {$1500.00} on XX/XX/2017. They reported that I was late making the payment for XXXX and XX/XX/2017. I have disputed the claim that the payments were late through the company several times over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report. I noticed XXXX and Experian are still illegally reporting an inaccurate/alleged account after being notified of this on numerous occasions. Under the laws and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : XXXX. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL In addition, if Experian and XXXX singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to XXXX XXXX remedies. 

Furthermore, the bureaus are hereby notified that at no point in time and under no circumstances is the company ; an employee of Experian and XXXX company ; a representative for Experian and transunion company or affiliates are to contact me or any family members by any means other than the XXXX mail system and responses through the cfpb.
Product: Credit reporting or other personal consumer reports

This account has been paid in full since XX/XX/year> XXXX has consistently reported to the credit bureaus every month as if I owe. XXXX never sent me a letter I was notified by student aid.gov I went in XXXX as websit in my XXXX and thats when I saw the letter that I have attached on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting act XXXX  Account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 : it also states A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and Purpose
Product: Mortgage

On XXXX XXXX, XXXX, I applied to Bank of America ( " BOA '' ), the servicer for XXXX XXXX ( " XXXX '' ), the lender, for a HAMP Tier 2 loan modification of my mortgage loan no. XXXX, secured by my rental property located at XXXX XXXX XXXX, XXXX, MD XXXX ( the " Property ' ). I transmitted my loan modification application on the BOA required Request For Mortgage Assistance form ( " RMA '' ), dated XXXX XXXX, XXXX, copy attached. BOA then mailed to me a XXXX XXXX, XXXX, letter, copy attached, which letter denied my RMA application for a HAMP 2 modification. The XXXX reasons stated by BOA are stated on the bottom of pg. XXXX and the top of pg. XXXX of the XXXX/XXXX/XXXX BOA letter. The first reason, at the bottom of pg. XXXX, states that the lender DB has not given BOA the authority to modify my loan under the HAMP. The second reason, at the top of pg. XXXX, states alleged reasons which are vague at best. For example, the " proposed modified monthly payment '' is not disclosed. Secondly, the manner in which the " proposed modified monthly payment '' was determined is not disclosed. Third, the document which sets " the required range of XXXX % to XXXX % '' is not disclosed. Fourth, where I fit into the range is not disclosed. Fifth, the calculation formula for the " verified income '' is not disclosed. I took the opportunity, given on pg. XXXX of the XXXX/XXXX/XXXX letter, to ask for a reevaluation. I faxed XXXX fax transmission sheets, a copy of each sheet attached, with my reevaluation request in the form of a new RMA, dated XXXX/XXXX/XXXX, copy attached, and with an updated Hardship Affidavit, dated XXXX/XXXX/XXXX, copy attached. On XXXX XXXX, XXXX, I faxed to BOA a fax transmission sheet and a revised pg. XXXX, copy attached, of the new RMA, dated XXXX/XXXX/XXXX. Again, BOA denied my application for a loan modification. BOA 's denial letter, dated, XXXX/XXXX/XXXX, copy attached, gave as the denial reason that my application did not satisfy an alleged NPV Formula to which BOA allegedly had applied XXXX separate factors without stating the manner in which the XXXX factors have been applied to the XXXX Formula. I then sent BOA a letter dated XXXX/XXXX/XXXX, copy attached, which listed XXXX reasonable requests on pages XXXX and XXXX of my letter. BOA has ignored my reasonable requests. BOA 's denial of my loan modification application and BOA 's failure to respond to my XXXX/XXXX/XXXX letter under all the facts and circumstances manifest BOA 's bad faith in the processing of my loan modification application.
Product: Credit reporting 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. Account name : Account Name XXXXXXXX XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX has no late payments/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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. Applied Bank : # 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, has violated my rights. I looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act 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 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX  XXXX opened XX/XX/2022 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 a account without my written instructions This account is not mines
Product: Debt collection

I called in regarding a debt that was being collected on. I was calling to dispute the debt and was not advised to write a letter stating the dispute. I called back in to verify and was hung up on. The third time the agent was correct in saying I needed to write a letter ; however, it was after I stated the requirement.
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. 

Account name : XXXX XXXX XXXX  {$360.00} 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 a account without written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) 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. 

Experian continues to violate my rights with this creditor. Documentation has been submitted on multiple occasions and removed just for experian to violate my rights. This account has been proved fraudulent.
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : DEPTEDXXXX  : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : DEPTEDXXXX  : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Debt collection

They keep harassing me by calling me repeatedly. I've told them to stop calling me and they continue to do so. I block one of their ohone numbers and they continue to call me from different phon numbers.
Product: Credit card

someone used my name, birthdate, and social security number to open a credit card with this bank. 
Date opened XX/XX/2023 {$15000.00} Filed disputes with XXXX, XXXX, and XXXX.
Product: Credit reporting

This is regarding an old Foreclosure account that went past due as of XXXX XXXX. This date of XXXX is also the last active date. The account is held by XXXX XXXX XXXX in Texas. XXXX XXXX and Equifax are claiming the " last active date '' is XXXX of XXXX. Therefore, the account should no longer be reporting. I have sent ( twice ) to Equifax a Mortgage statement from XXXX XXXX Mortgage XXXX that reflects the account was 3 months past due by XXXX of XXXX. In summary, this account should be gone and Equifax is stating they can not use my supporting documentation. When I tried to call XXXX XXXX XXXX, they claimed they can not take " inbound '' calls in the research department and that is the only department ( based on what customer service stated ) that would handle wrong reporting dates. Please help. I am attaching all documents. 
This issue is only with Equifax. The other Bureaus have removed the account already in XXXX. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion are fraudulent on my credit  XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX  is fraudulent on my Acct # XXXX.