23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date : XX/XX/2023 Credit Report Information Request by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor : XXXX XXXX : XXXX This company is the newest debt collector for XXXX XXXX XXXX. I do not know this debt, and it shows up 2-3 times a year with a different collection agency threatening to damage my credit and puts a new collection on my credit each year. I have no knowledge of this debt, it is not a family members, and it continues to attempt to harm me each year. It has been removed from my reports several times. 

This particular company has threatened to contact the credit bureaus if I do not respond, and they have now reported the invalid debt to the credit bureaus.
Product: Mortgage

My loan was sold from XXXX XXXX, to the company XXXX XXXX, then sold it to XXXX XXXX XXXX XXXX. It then was assigned to a servicer, Rushmore, and this company refuses to send me a mortgage statement although they are accepting my payment, I've reached out to them, but instructed to call the customer service line, and I've tried this in past dealing with this company.

I truly believe this company, Rushmore is working in concert with the second lien holder on my property. The debit on the second was canceled through Bankruptcy chapter XXXX, but did receive a letter from the second dated XXXX, XXXX intending to foreclose on property as lien holder. Ever since receiving this notice is when the company, Rushmore stopped send the monthly statement. 

Because of this act by the second lien holder, I've been forced to entertain Bankruptcy chapter XXXX to save my home. I'm XXXX, and would never make it on the street. The bankruptcy attorney requested from me a mortgage a payoff, and with that statement I were informed the check payable is to be made out to XXXX XXXX, and I find this odd since it was sold by XXXX XXXX XXXX, XXXX. 

One would guess that since my loan was sold, the second lien holder became first in line, and this is why I got the demand letter, what say you? These companies need to be investigated, and not by me. Please act
Product: Mortgage

See CFPB complaint XXXX about BANK OF AMERICA MORTGAGE, submitted XX/XX/XXXX. 

XX/XX/XXXX Dear Bank of America ( BoA ) You messed up the paperwork in XXXX related to mortgages of XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, which mortgages you handled on behalf of XXXX XXXX, leaving an outstanding $ XXXX lien ( attached ) that needs to be promptly removed as it is holding up the sale of said property ( see attached sales contract ). We ask you to immediately do so, as your failures are causing our family real and irreparable harm. 

Your continued disingenuous statement that you can not fix the problem, which you admit you created, because you no longer service the mortgage, can not be asserted. As of last week XXXX applied for a Bank of America refinance, which awaits your approval. You have no excuses. 

Moreover, your nonresponsive response to our XX/XX/XXXX CFPB complaint says you need a special email address to address the complaint! What exact email address do you want us to dig up from the XXXX to be to your satisfaction? 

You confess to the CFPB that no contact has been made with XXXX XXXX XXXX! Wow, thats an admission of guilt, like nothing else. She has repeatedly, by phone, in person ( at the XXXX XXXX BoA branch where she signed the HELOC papers that you messed up ), and in writing, reached out to you begging you to fix this problem, all to no avail as you ignore and dismiss her and her authorized representatives. Among others, XXXX XXXX XXXX in the BoA regulatory department is unresponsive to repeated voice messages left by XXXX. 

If you examine the title report ( attached ), you will see that the original two mortgages were A and B. Then Bank of America added mortgage C, a HELOC in XXXX. Next, BoA completed a modification/consolidation, mortgage D ; but you did so by consolidating A and C, instead of A and B! That left the lien of mortgage B outstanding. You admitted clearly on a recorded line your fault : the problem is that mortgage number two was not included on the consolidation. You are killing us. This needs to be fixed yesterday. You will kindly fix this immediately and contact me and XXXX XXXX ( cell XXXX XXXX XXXX ), letting us know that it is completed. 

A very redundant 3rd party authorization form is attached. 

Respectfully submitted XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

So in XXXX I was in Florida on Vacation while someone used a fake debit card to withdraw {$800.00} from XXXX ATMs. XXXX which was a US Bank ATM. I contacted US Bank as soon as I saw this the Monday that I was back. From there they conducted an investigation that took until XX/XX/XXXX to tell me that I was denied. When I called them a lady who has never seen me in person handling my case told me that I was verified on film. So I gathered my plane ticket, as well as credit card statements proving that I was in Florida and not Nevada at the time of the incident and went to my local branch so that if their was video they could see it was n't me and I had documentation to show it could n't have been me. That was in XX/XX/XXXX where I asked them to reopen my case. From there I called about every other day with no response from my case processor until XXXX XXXX, 2016. She told me that it is on film and to contact metro if I had a further dispute. So I contacted metro, and filed a police report. At that time I learned that cards were being skimmed from the US Bank ATM 's in my area, which the bank failed to mention during their investigation. They also told me that because so much time had passed that they could n't do anything, but that XXXX people had been arrested. I do n't think it is fair that I am out {$800.00}, which is significant to a XXXX, when they were provided documentation that it could n't have been me. They also drug it out so that I could n't get help from the police either. I thought they would be investigating that they allowed someone to take out my money that I entrusted to them, from their ATM, using a fake card. At this point I feel that it is their responsibility to correct the problem and go after whoever they have on film that they allowed to take my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccurate late payment reporting on my credit reports associated with XXXX Account [ Account XXXX : XXXX ]. This account is listed on my credit report twice, showing XXXX different amounts for the same account, and it also inaccurately reflects late payments. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), and I request immediate corrective action. 

The FCRA, a federal statute governing the accuracy and XXXX XXXX XXXX XXXX, provides specific guidelines that must be followed by furnishers of information like XXXX XXXX : XXXX. **Accuracy of Information ( Section 623 ( a ) ( 1 ) ( A ) ) ** : The FCRA mandates that furnishers provide accurate and complete information to credit reporting agencies. I assert that the late payment reporting on my credit reports is inaccurate and does not reflect my payment history accurately. 

2. **Duty to Correct and Update Information ( Section 623 ( a ) ( 2 ) ) ** : The FCRA places an obligation on furnishers to promptly correct and update any information found to be inaccurate. As the late payment reporting is erroneous, I demand that you correct this information immediately with all credit reporting agencies that have received it. 

XXXX. **Investigation of Disputes ( Section XXXX11 ( a ) ( 1 ) ( A ) ) ** : Upon receiving notice of a dispute from a consumer, the FCRA requires furnishers to conduct a reasonable investigation into the disputed information. I hereby formally dispute the late payment reporting on my XXXX account, and I expect you to initiate a thorough investigation into the accuracy of these entries. 

XXXX. **Time Limits for Investigations ( Section 611 ( a ) ( 1 ) ( A ) ) ** : The FCRA mandates that furnishers must complete their investigations within 30 days of receiving notice of a dispute. I insist that you adhere to this time frame when conducting your investigation. 

Failure to comply with the FCRA could result in legal action against XXXX XXXX. If these inaccuracies are not promptly resolved and corrected, I am prepared to take legal action to protect my rights under the FCRA. 

I request that you promptly investigate and correct the inaccuracies in the late payment reporting on my XXXX Account [ Account XXXX : XXXX ], addressing both the duplication issue with XXXX different amounts and the inaccuracies in the late payments reporting. Please provide a detailed written response to me within the time frame stipulated by the FCRA, outlining the results of your investigation and any actions taken to rectify the inaccurate reporting. 

I am committed to ensuring the accuracy of my credit reports, and I anticipate your full cooperation in this matter. Please be advised that legal action will be pursued if XXXX XXXX fails to rectify these inaccuracies promptly and in accordance with federal law. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed the items below with the credit bureau 's but they did not remove then. 


XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Product: Debt collection

XXXX XXXX XXXX Total amount owed {$4300.00} XXXX XXXX XXXX   Total amount owed {$1500.00} XXXX XXXX Charge off account XXXX XXXX XXXX Charge off account. ( {$470.00} ) XXXX XXXX XXXX   Credit Card Charged off Account. ( {$4800.00} ) I was arrested XX/XX/2015 and served 5 years with half time for my criminal charge. The police have my property ( wallet & Jewelry to my room mate without my consent at the time of my XXXX. My room mate then used my cards and maxed them out, emptied the {$3700.00} in my bank account and used my leased vehicle without my consent or knowledge. There is no way for an XXXX  to cancel their cards, make payments or even contact the merchants. I knew he was doing these things and nothing I could do. I was only just released from XXXX  and the room mate " XXXX XXXX XXXX '' is deceased and so I can't even file a police report against him. All my mail was returned to sender, these credit card companies dint give me the statements to my cards si that I I can dispute what is and isn't my charges. I've started to pay off these debts knowing that part of charges are mine but I know I only had about 3,000 in debts. The XXXX XXXX I never signed up for and has told them from day one that it is fraud and I suspected XXXX without proof until after his death in which his mom found past due notices in his desk at his moms home with my name on it. 

What do I do? I'm willing to pay for part these charges but not the amounts they want especially since most charges are fraudulent. Please help, I'm trying to put my life back together.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach and my personal information has been compromised.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


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

This complaint is being re-submitted, as the previous complaints resolution was not addressed to me ( They wrote to a different individual and their concern on my complaint. ). See CFPB Complaint Number : XXXX The card is issued through XXXX XXXX XXXX, and can be used for health-related costs. On XX/XX/XXXX, a refund was received on the card from a charge made on XX/XX/XXXX. This was long after the card was expired, and the card had a zero balance from XX/XX/XXXX until that refund was received. I contact the company twice to get a replacement card, and they haven't been able to send me a replacement. In both interactions, they have stated I will receive the balance of {$53.00} on a new card. However, I have not received the card yet. Relevant Case Numbers : XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX )
Product: Mortgage

I had refinanced my Mortgage from Wells Fargo, Loan XXXX, paying this off XXXX XXXX. Once I saw my escrow account had been refunded XXXX XXXX, I saw an additionall deduction for Mortgage Insurance XXXX XXXX which I do not believe was disclosed in the Payoff Statement. Payoff Statement in XXXX showed XXXX, upon a payment XX/XX/XXXX, the payoff on XXXX XXXX was higher at XXXX. Upon a payoff statement in XX/XX/XXXX after another payment, this was XXXX. I believe Wells Fargo Payoff Statements to be misleading due to the amount going up after an on-time payment. 
My additional statement as to why this was misleading is the language does not cover an additional deduction after payoff, the figures show prorated Mortgage Insurance included in the payoff figure, nothing else. Language in the statement XXXX XXXX indicated for a XXXX XXXX payoff, " to avoid paying an extra month of interest, you ' want to arrange your closing so the payoff funds reach us on or before the first business day of the month. '' For this language, I feel the {$130.00} taken in XX/XX/XXXX prior to their refund of the escrow is owed. I do not trust Wells Fargo as customer service is insincere and seems to transfer people unnecessarily and leaves this to their Executive Office. I was contacted by a XXXX XXXX who indicates he is working on this and he imposed a deadline of XX/XX/XXXX to get back to me. I want to ensure that Wells Fargo is not taking advantage of other customers and is properly administrating these loans and including the appropriate language, including providing accurate payoff amounts, which as mentioned, I do not feel I received.
Product: Payday loan, title loan, or personal loan

I make my monthly payments of {$180.00} in advance of the due date starting on XX/XX/XXXX. I have sent them 7 payments. I received an email stating my XX/XX/XXXX was late. I confirmed they have received 7monthly payments, but 2 payments were applied in XX/XX/XXXX. Ally Financial states they can not adjust the prepaid payment to credit XX/XX/XXXX. I have to send another payment. 

This is the most absurd policy I have heard. Penalize someone for paying in advance?
Product: Credit card

On XXXX XX/XX/2024, I applied for an XXXX travel rewards card through Barclay 's. On XXXX XXXX, I received a call stating that I needed to call Barclay 's to verify some information. As it was a long weekend, I returned the call on XXXX XXXX. Upon speaking with someone I was asked to verify the last 4 digits of my social security number and my name. I was put on hold and passed to another representative. That representative told me that I needed to mail a copy of my social security card and a copy of the front and back of my driver 's license. I found this to be unusual and said that I wanted to stop the application process.
Product: Credit reporting or other personal consumer reports

I, [ XXXX XXXX ], have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the XXXX period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I appreciate your efforts in this matter and look forward to your response.
Product: Credit reporting or other personal consumer reports

In accordance with the Federal Law.

The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 )
Product: Mortgage

Refinanced mortgage with lender had a impound account with Dovenmuehle mortgage services located in XXXX IL, 5 years ago. This particular company did not report to me that my wife and I had a overage of over XXXX dollars. No check in the mail, no notice, no phone call. They held on to it for 5 years now it sits in Californias unclaimed property trust that I have to jump through hoops to obtain. Californias trust just received it 3 months ago. When I called Dovenmuehle 6 months ago, I informed them I have documentation that I had a impound account with them on a previous mortgage they said I had to contact CA and would no longer talk to me. Thanks again
Product: Credit reporting or other personal consumer reports

Please take immediate action to block and delete the following accounts and inquiries from my credit file : Accounts to be blocked and deleted : XXXX. XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$290.00} XXXX. XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$230.00} XXXX. XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$260.00} XXXX. XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$48.00} XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account XXXX : XXXX XXXX Date : XX/XX/XXXX Balance : {$2000.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$460.00} XXXX. XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$910.00} XXXX. XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$240.00} Inquiries to be blocked and deleted : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX 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 XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had leased a XX/XX/XXXXHonda Odyssey of which I was involved in a motor vehicle accident 1 year later that rendered the vehicle a total loss. The insurance company paid {$24000.00} of the {$26000.00} owed and after some payments I made, there was a balance inXX/XX/XXXX of {$1100.00}. Payment was requested in 30 days. As of XX/XX/XXXX, I reduced the balance to {$930.00}. The payments were accepted without any rejection or return of payment. Prior to the accident, I was never late nor missed any payments on the lease. <P/>Without any warning, Honda Financial Services sent me two letters dated XX/XX/XXXX and XX/XX/XXXX. I did not receive them until XX/XX/XXXX. The first letter said my debt was charged off for failing to fulfill my " contractual obligation '' and was being sent to collections. No explanation was provided for what this meant. The second letter, dated XX/XX/XXXX, said I had 15 days to pay the debt. Relying on the second letter, I paid it in full on XX/XX/XXXX and called Honda Financial Services on XX/XX/XXXX to have them remove the charge off from my credit reports. The representative was rude from the start saying they called and told me I had to pay it in full. I never received a call or letter prior to XX/XX/XXXX saying if I did not pay the balance by XX/XX/XXXX I was going into collections. He said they spoke to my wife, but she was never told that if full payment was n't made by XX/XX/XXXX, the debt was being charged off and going into collections. When I tried to explain the reasons for the delay and that I paid it off once I had the ability to do so ( which was also within the 15 days demanded in Honda Financial 's letter ) the representative 's response was " not my problem ''. He refused to remove the charge off and said I could not speak with a supervisor. The representative also denied having any information of Honda Finance sending me the XX/XX/XXXX letter that gave me 15 days to pay off the balance. I faxed it over to him but of course got no response. <P/>Based on their fraudulent and misleading representations my credit score was lowered 90 points. I was never advised that if I did not pay off the entire balance in 30 days that my account would be charged off or sent to collections. I never receive a final letter until after the debt was already charged off. I also paid off the balance within the time specified in Honda Financial 's letter and its response to me was essentially " we do n't care '' and " not my problem ''.
Product: Debt collection

This account was paid in full I see on my credit report it shows as a charge off which is a direct violation of my rights as a consumer per fca I paid the account in full since its mentioned as a charge off on my credit reports ANY PAYMENT INFORMATION surrounding the account should be removed and not available remove any late fees surrounding this account as Ive already taken care of the debt this is a violation of my rights regarding this account I never received any notification for this account only whats placed on my score which is also a direct violation of my rights as I have to be notified REMOVE THE LATE PAYMENTS AND ANY negative TRADELINES SURROUNDING THIS ACCOUNT from my credit REMOVE THE LATE PAYMENTS AND ANY negative TRADELINES SURROUNDING THIS ACCOUNT from my credit Or I will move forward with litigation there are numerous clas action lawsuits against this company for invalid reporting and NO NOTIFICATION SURROUNDING DEBT