23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Once again Bank of America sends me a letter threatening foreclosure! Dated XX/XX/2021 The letter reads as follows- " Action needed - your loan is past due. 

We are writing to advise you that your home loan is past due. Our attempts to contact you to discuss payment assistance options have been unsuccessful. Our goal is to provide mortgage payment assistance, if needed, to help keep you in your home. 

What to expect If we don't hear from you to discuss payment assistance options, or if you don't make the payments needed to bring your account current, late fees may continue to accrue and your account may be reported as past-due to the credit bureaus. 

If your loan remains past-due once current investor- and state-based foreclosure moratoriums cease, we will e required to comply with applicable servicing requirements, including initiating or resuming foreclosure actions. It is important that you act now. 

We're here to help To discuss your eligibility for assistance programs, including loan modifications, please call us at, XXXX, Monday through Friday, XXXX XXXX. to XXXX XXXX. local time. 

Thank you for being a valued client. '' I once again called and spoke with XXXX XXXX and explained that this is an ongoing situation that Bank of America and I have been corresponding through the Consumer Financial Protection Bureau on numerous complaint platforms. 

She advised me that she would forward this to the resolution specialist. I said that this has been forwarded numerous times to no avail. 

As I said throughout, this loan was not a home mortgage loan! 
I informed Bank of America through CFPB with the following- Complaint # XXXX Dated XXXX Complaint # XXXX Dated XXXX Complaint # XXXX Dated XXXX Complaint # XXXX Dated XXXX Complaint # XXXX Dated XXXX Complaint # XXXX Dated XXXX The information within these complaints explains the facts and wrong doings! 

This recent letter from Bank of America has not been signed and has no mention of these complaints. 

I will continue to document Bank of Americas letters through the Consumer Financial Protection Bureau for the duration until a settlement can be reached.
Product: Debt collection

I have two different collection companies trying to collect on the same debt. The companies are Transworld Systems Inc. and XXXX XXXX XXXX XXXX. The debt collection is for a medical bill I owe XXXX XXXX XXXX Medical Center in XXXX WA. The amount is {$200.00}. I called the medical center but they could not help because the amount I owed had been turned over to XXXX XXXX XXXX. XXXX XXXX said they were getting a lot of calls about this same issue. XXXX XXXX forwarded my call to another person and I left a message for them to call me on XX/XX/XXXX. They called me back on XX/XX/XXXX and ask that I fax everything to them and XXXX XXXX XXXX collections would not call me or collect from me until something was resolved but that Transworld might call me because they could not stop them from calling me. I faxed them the information on XX/XX/XXXX. I faxed them the " invoice '' from XXXX XXXX XXXX and the collection letter and invoice XXXX XXXX XXXX Medical Center that Transworld System sent me showing the same account number and same dollar amount. I do n't mind paying what I owe, but I am not going to pay it twice and I do not want not paying one and paying the other to effect my credit rating. Also if I had not been paying attention, this might have got paid twice and I would not want that happening to someone else.
Product: Consumer Loan

I have sent this company multiple communications regarding an account that was opened in my family fraudulently. As of today they still have not resolved the issue and everything I call I get the run around
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to delete the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also enclosed copies of the Federal Trade Commission identity theft affidavit. I would appreciate it if you delete these items as soon as possible its holding my life back I'm in the process of purchasing an home for me and my family.
Product: Credit reporting or other personal consumer reports

credit reporting companies : Equifax XXXX and XXXX are all reporting inaccurate information on my public record on my credit report. It has hindered my ability to purchase a home for my family I have reached out to each and they all say they can not verify my identity. In that case you all have improperly added false information to my consumer report and credit report.
Product: Credit reporting or other personal consumer reports

My right to privacy is being violated. I did not give consent for this information to be included in my credit report. As a consumer, I am aware of my rights, and those rights are being infringed upon with the inaccurate information being reported on my credit. This not only violates my privacy but is also damaging my credit score and having a negative impact on my life.
Product: Mortgage

Loan company applied an escrow account for back taxes but the taxes had been paid in XX/XX/XXXX. They them raised my loan payment by {$1100.00} per month. Said loan company was refunded the overpayment of {$7400.00} in XX/XX/XXXX according to the County of XXXX XXXX. This refund was never applied to my account but the refund was verified being received by their tax department. I called the company several times and the amount was of the refund was supposed to be applied to my account. This was never done by their representative XXXX in customer relations. I now owe a {$12000.00} in erroneous charges because they didn't remove the escrow account until XX/XX/XXXX. I  have called this company several time to talk to XXXX but am told that he can not receive incoming calls but they will email him the message and of course he never calls back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I wrote and mailed Equifax asking that they investigate and remove the negative items that are on credit report. As a consumer I have rights and understand the laws that apply to me. Today marks XX/XX/2023 and as I have pulled my report once more nothing has been done about this matter. I am beyond furious with this company as they aren't complying with their own policies and procedures. The deadline was XX/XX/2023 to investigate my report and remove those items, however it has not been completed in the timely manner now I am demanding that each item I listed negative on my credit be removed immediately or my next step is go file an official complaint with the State Attorney General 's Office.
Product: Debt collection

My chase account was hacked and a check was debuted to my account. I caught the deposit the next day with XXXX STILL in the account and Chase granted me a new checking account 3 days later. They soon let me open a business account which they then seized funds and stopped all payments on bills saying i was the one that committed fraud. I had spoken to the fraud department AND A BANKER. They waited 6 weeks for me to add money to my business account where they then shut down all accounts and took my money. I asked for the cameras which they would not produce. I am unable to open another account and i am now in jeopardy of losing my business due to Chase. The management was poor and very disrespectful also. They moved payments and then ACCUSED ME of using those illegal funds to pay my tuition when i had a cash deposit a couple of days before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a charge that was paid off months ago several times through XXXX and directly with Midland Credit Management. I have uploaded the letter from the law firm Midland hired to collect the debt ( XXXX XXXX XXXX ) confirming the debt was paid in full, copies of the check and bank statements and they still have denied my disputes and will not update.
Product: Credit card or prepaid card

I canceled one out of the two pet insurance policies I have with pets best on XX/XX/2018. I was told I would be getting a refund for the canceled policy. The amount I was told would be refunded back to me was XXXX. Weeks go by and finally I see a refund of XXXX out of the XXXX. I called pets best on XX/XX/2018 and was given the run around. I finally called Us Bank on XX/XX/2018 and was told due to a fraudulent charge on my credit card the fraud department blocked the refund so it didn't go through and I never received it. US bank never told me nor was I ever notified about the refund being blocked and not going through. The customer service representative was rude and unhelpful and did nothing to help the situation and she told me I can't dispute the transaction and need to contact the merchant.
Product: Debt collection

I graduated in XXXX of XXXX. It is XXXX. They are still trying to contact me. I want them to stop it. I am trying to move on from my past. I have suffered from XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX  and I am trying to XXXX. I currently live in a XXXX  XXXX. Aren't they passed the statute of limitation? In the past, they have tried to call my family members, neighbors, clients ( XXXX XXXX ) to resolve this debt. I can not afford it. I am still on government assistance. I am just now trying to get back on my feet financially. It is 15 years since I graduated and longer since I borrowed this. Can they stop contacting me please? I have moved on to another career path already. I have no full-time employment in a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company has reported my mortgage account to all three major credit bureaus. Out of which XXXX and XXXX has reported my mortgage account on their credit reports. 
Experian on the other hand had failed to respond to the request of legitimate financial company who held my mortgage account resulting in missing my mortgage account in their report.
Product: Mortgage

My insurance went up. i reached out and priced some other options. I found a better policy. i setup a payment with the new policy. i sent the new policy over to freedom mortgage. they then paid the old policy which i had cancelled. then they paid the new policy which i had paid. when i called them to get this corrected they informed me it was my responsibility to resolve the issue on my own and that i was negative in my escrow now due to them paying XXXX insurance policies and also had to pay them too
Product: Mortgage

My ex wife is the successor in interest on my mortgage loan, and I am the primary borrower. Caliber home loans is the servicer, and they allowed her to change the homeowners insurance. They have said successor in interest is allowed to make changes to the mortgage. They say they are following federal and state guidelines, yet repeatedly refuse to tell me what those guidelines they are following. They refuse to send me any documentation regarding those guidelines.
Product: Credit reporting or other personal consumer reports

Equifax breach my information. Shared my credit report even thought I asked for a freeze and fraud alert. I was not informed, nor did I authorized use of my credit report to potential lenders. I disputed this information and equifax still have it listed on my report. I received XXXX for my collections but they are still listed on my credit report. This is supposed to be unlawful Wrong addresses on my report, wrong name on my report
Product: Checking or savings account

Hi This is my third time filing a complaint against Bank of America! they owe me money they messed up my account my car got repoed because of what they did they took money from me several times.. and told me that they could not credit my account due to the funds that disappeared was a ghost transaction! whatever that meant. I called daily to resolve this issue asking them how did all of my money disappear from my account? I was told i used it.. before it posted! which i knew was a lie. it was mysterious to myself. and i didn't understand it at all.. this started back on XX/XX/2023 and my account never got solved. i kept calling and also going to the XXXX Texas Branch to speak with Managers only to find out that my account had been closed due to it being a Risk account. I didn't understand why they would close my account without at least giving me back my money. The Manager XXXX ask me did i not receive a check? I told her No I did not receive anything. Then I ask her why did they do that to me instead of just resolving the issue? I was told by here that Bank of America has done this to people that had been with them as long as i had with no warning.. they would just receive a letter stating that the account had been closed.. because they had decided not to do business with that Individual anymore!.. I was with bank of america on and off for 24 yrs.. and i never understood why my account was always low after depositing large amounts and would have to figure out how to pay my bills after i had just put money in my account and being told that they money was already used and that once the money posted that it all went to whom ever i paid or whatever i spent. I am in XXXX because of this.. i have lost my car XX/XX/XXXX because the money i paid for my car bank of america claim i disputed my car note back three months alone with bills and other things that i had to pay triple too.. i made a few reports to you all.. and nothing happen.. i am asking that you all please help me.I am a Grandmother of XXXX children and has now taken on a XXXX that was abandon by a family member and this is not right.. for everyone that this has happen too.. this is wrong.. not to mention they just sent me a letter in the mail asking me to reconcile my account starting out with {$8.00} yes you read that correct {$8.00} i am livid and i have been in deep XXXX since this happen to me! i can only imagine how many people this has happen too. I HAD two accounts with Bank Of America the one i entered the info and the other one i can't remember the account number but it ended in XXXX the one that I have on your page is the one that i found
Product: Checking or savings account

I applied for a checking account at frost bank. I received an welcome email from the bank XX/XX/year> at XXXX XXXX  that they were sending my debit card to an old address. At that point I reached out to the bank and was inquiring about my banking details. I then learned that frost bank couldn't verify me because they said my telephone number was different than what was provided. I was then directed to XXXX XXXX which is a financial manager at the frost bank in clear lake which states at the time for me to go to a branch and show my credentials so I can get verified. After I showed my credentials at the XXXX texas location XXXX XXXX XXXX gave me my debit and direct deposit info. An hour later my account was closed by XXXX XXXX which is unfair to me when asked why I was told by XXXX XXXX at the XXXX XXXX location that I didn't provide the correct info but if I didn't provided the correct info why was I given my debit card and direct deposit info. I was told by the bank to obtain a police report that wasn't giving me any info just being rude and unprofessional
Product: Student loan

XX/XX/XXXX, file for bankruptcy. Lawyer said that since bankruptcy all student loans would be deferred. I heard nothing the first year. Thought all was ok. Year 2, I started getting phone calls from navient, since they had received my loans, they were no longer deferred. I explained the situation. They said " sorry '' then again told me they were deferred. Years 3 and 4, exact same thing. Bankruptcyou ended XX/XX/XXXX. Navient took {$2400.00} out of my tax refund for unpaid student loans. I called my lawyer and navient. Got the run around. 1. If my loans were differed I should never have had this amount withheld. 2. It is showing negative on my credit report since XX/XX/XXXX. 3.navient now says that since I was behind they never could defer my payment. I still do not understand how it was behind, I was in bankruptcy and it was supposed to be deferred. I explained to navient. They said that this was after bankruptcy when the loan went through. I talked to navient XX/XX/XXXX and they said I was deferred until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  credit report there are two activities that I did not authorize. Both are somehow connected to XXXX XXXX XXXX XXXX, which from what I can tell is a fradualent credit card company. I have asked XXXX to remove these and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair credit reporting act the list of accounts below violated my federal protected consumer rights to privacy and confidentiality. Also have multiple inaccurate information, Under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602a states that I have the right to privacy 15 USC 1681 section 6048 section 2 it also States consumer reporting agency can not furnish account without my written consent 15 USC 1861 c ( a ) ( 5 ) no consumer reporting agency may have a consumer report containing any of the following items of information any other adverse item of information, other than records of conviction which antedate the report by more than 7 years 15 USC 1681 S -A ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is incorrect According to 15 USC 1681 n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} but not more than a {$1000.00}
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

I sent a dispute to experian regarding an inaccurate and incomplete account on XX/XX/2024 and to date I have not received the investigation results. This account was closed but on my experian report there is no close date being reported or close status being reported to the payment history section. On the experian consumer report there is a legend for closed but it is not being used for this account and instead a charge off status is being reported on a monthly basis. This results to both inaccurate and incomplete information. Pursuant to section 611 ( a ) ( 5 ) of the FCRA, this information is incomplete, inaccurate and I demand that it is promptly deleted.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 also states that 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 have recently checked my credit report because I was getting notifications of inquiries being reported or added to my report, I was ignoring them at first because I didn't understand what they were saying, I recently checked XXXX XXXX it told me I had 35 inquiries with Transunion and 13 with XXXX along with XXXX none of which I applied for credit, or gave consent to financial institutes to run my name or social. Im not really sure how this came about but I would like to get it resolved in a timely fashion. I am attaching the police report along with this complaint in regards to the inquiries that were ran without my knowledge or consent.
Product: Student loan

I attempted to change the address on file with the NELNET several times. They did not change it at any point. Now I have not 1 but 2 slow  payments on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account XXXX XXXX XXXX XXXXXXXX, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit card or prepaid card

Payment of {$320.00} was sent on XX/XX/2022 through USPS and was traveling from XXXX, Texas to XXXX, Texas. Company did not process payment till XX/XX/2022 which incurred a late fee assessed on XX/XX/2022. Enough time was given to send payment through USPS going XXXX miles within a state. The company is holding payments and processing them after they are recieved and causing late fees to be assessed. I have asked the company for proof of when they recieved the payment and they have not replied with any proof of the date payment was recieved. I have requested the late fee to be removed and they have denied the request.