23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, XXXX, Bank of America transferred Loan Number XXXX to XXXX, however, the loan had a ZERO balance. 

On XXXX XXXX, XXXXXXXX was hired by Bank of America hired sale the property at a foreclosure sale. 

On XXXX XXXX, XXXX, XXXX XXXX, substitute trustee executed a Substitute Trustee 's Deed to the Bank XXXX XXXX XXXX XXXX. Instrument XXXX was recorded in the XXXX records. 

On XXXX, XXXX, Bank XXXX was awared Judgment of Possession in the XXXX Court at XXXX, Texas in XXXX court. 

On XXXX XXXX, XXXX, I filed a lawsuit to enjoin a wrongful post- foreclosure eviction. 

In XXXX, The case was removed to Federal Court several times and is currentl pending XXXX, Cause No. XXXX. I filed an interlocutory appeal of the XXXX granting Defendants leave to file an answer to the complaint almost two years late. The Defendants has been represented by the XXXX since the initiation of the case. Attorneys XXXX XXXX and XXXX XXXX were the attorneys of record oon XXXX XXXX, XXXX. However, XXXX and XXXX are no longer with the firm. Now, XXXX and XXXX are the attorneys on record for the case in the XXXX XXXX 

While the lawsuit was pending and being granted Judgment of Possession to the property in XXXX, Bank of America allegedly transferred the XXXX balance loan that was satisfied from the foreclosure proceeds to XXXX. 

Bank of America and XXXX Mortgage arecolluding, conspiring, harassing me to collect a note that was satisfied almost four years ago. 

XXXX is attempting to collect the debt Bank of America collected on four years ago in a foreclosure sale. 

XXXX and Bank of America are committing a fraud, conspiracy, violating the Fair Debt Collections Practice Act, and the Fair Credit Reporting Act. 

My CFPB history, credit reportreports, lawsuits will show that this is DOCUMENTED FRAUD AND COLLUSION. 

Timeline of events since XXXX was transferred the XXXX balance loan : 1. XXXX XXXX, XXXX, XXXX sent a Default letter demanding {$80000.00} and threatening foreclosure. 
2. On XXXX XXXX, XXXX, XXXX as Attorney in Fact for Countrywide Home Loans ( defunct entity ) executed a Corporate Assignment of Deed of Trust in XXXX XXXX real property records, Instrument XXXX. 

On XXXX XXXX, XXXX, XXXX XXXX, Bank of America 's lead counsel in the pending XXXX XXXX suit pending, sent an email referencing reinstatement of the loan that was foreclosed to settle the lawsuit. 

On XXXX XXXX, XXXX, XXXX XXXX, XXXX 's counsel sent a letter claiming they were abandoning acceleration of maturity of indebtedness from XXXX XXXX, XXXX. However, XXXX and Bank of America conceniently ignores the fact that thethe foreclosure sale was completed and Judgment of Possession was granted to the Purchaser of the foreclosure sale. 

I am still residing on thein the property because XXXX XXXX XXXX advised the XXXX XXXX they would not EVICT me while the case was pending. Apparently, they thought I did n't have the fortitude to handle the protracted litigation as a pri XXXX '' litigant ; so they transferred the zero balance loan to XXXX to harass me. 



















XXXX XXXX Firm.
Product: Mortgage

Our original loan was with XXXX XXXX. In XXXX  they sold our loan to XXXX XXXX  which is now being serviced by Mr cooper. Recently we received a statement from Mr cooper that our escrow account was low and we needed to increase our monthly payments. I immediately tried to contact the company to let them know that we were not responsible for paying property taxes since my husband is XXXX  % veterans administration XXXX and the county exempted us from paying property tax, therefore the amount of the increase wasnt needed because we would not be paying property taxes. I attempted for an entire week to call them and the automated system constantly kicked me out and I could not get a live agent. I finally got someone on the chat function and they told me to email the information from the local property assessor to verify that property taxes would not be paid. That has been about 10 days ago and I still have not received a call back from the company or an email. I have tried every day again this week to call them and get a wide variety of issues from being kicked out of the phone system to today getting a message that their system is down. On another day the automated system said they were closed for a holiday, but there was not a holiday.
Product: Credit card or prepaid card

I reached out to them several times about erroneous charges and the fact that their website did not process my payment. I was reported as late which should not have happened. This company is scamming people.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my credit report due to the fact that they are negatively effecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2022 XXXX XXXX XXXX Assistance Department XXXX XXXX XXXX, XXXX XXXX XXXX ON XXXX XXXX To whom in may concern : Please remove the extended Fraud Alert on my credit report. I do not want it. To verify my identity and address, Im including a copy of my drivers license, social security card and a recent bank statement. 

Thank you, XXXX XXXX
Product: Mortgage

Took the loan from world bank and wouldnt work with me to bring loan current
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you CFPB for your time and help in this matter. 

I'm here to report that Nelnet is in violation of the laws of the FCRA. 

They are report inaccuracies into late payments to the credit bureaus. 

Also these accounts was transfered and closed but reported multiple late payments after the fact. 

These are 8 different violations
Product: Credit card or prepaid card

Dear Financial Services Manager,  XXXX XXXX : I am writing this letter in extreme frustration. This comes from the continuous and ongoing requests I have made to receive my credit balance on my PayPal Mastercard. I made two transactions in XX/XX/XXXX towards my overall balance, resulting in a credit balance of {$250.00}. On XX/XX/XXXX, I made my first request to receive my money via a telephone call. I was told it would take 5-7 days to issue. My second contact was on. XX/XX/XXXX via your chat option on the website. I did a screenshot of the entire conversation for documentation. I was told that the check had been issued on  XX/XX/XXXX and that it would have to go through a cancellation and then a new one would be issued. Again, nothing happened. My third and last request to receive my money was on XX/XX/XXXX via telephone call to a supervisor named XXXX. She assured me that nothing had been done from my last request and that she would take care of it. She said that the cancellation would take the remainder of that week and the new check would be sent out the following week ( that would be the week of XX/XX/XXXX ). Two weeks, fourteen days, have passed since that last request. 

If this {$250.00} was an amount I owed and I didnt make my payment for two monthly cycles I would owe compounded interest and penalty fees amounting to at least an additional {$120.00}. My next step is to take legal action which will then result in additional compensation for all of my time, my legal fees, and compounded interest and penalty fees. I also will be filing with the XXXX XXXX XXXX and posting to media wildly to warn other customers of your extremely bad consumer practices. 

As you can tell I am extremely frustrated. I dont care if this was {$1.00}, it is MY MONEY and you are REFUSING to REFUND MY MONEY. I am, for the last time, making an official request for you to REFUND MY MONEY!!!!
Product: Credit card

This is a supplemental complaint ( in reference to CFPB complaint number XXXX ). I just received an email from Bank of America asking me to settle the debt again. This debt was supposed to already be settled, and now this company while reporting that they are looking into the inconsistencies of my account and requesting a 60-day extension they are trying to settle the debt a second time for the remaining amount that was already settled. 

This company completely disregarded my concerns and my initial complaint and attempted a round-about way to try and obtain more money from me, money for the difference in amount of the first settlement. Additionally, this company charged off my account - after settlement for {$3800.00} less than what was previously owed. Now they are trying to settle the settlement difference, while my account is still charged-off and negatively impacting my credit score unjustly. 

My credit report shows that this bank credit card account closed on XXXX XXXX, XXXX as part of a telephone conversation with a collection agency to settle the debt. They offered a payment of settlement and assured that the debt was be paid in full. I now see that it was n't and that this particular bank has also misstated inconsistent statements across a few reporting agencies. I have found that with XXXX they show that I made no payments from XXXX XXXX to XXXX XXXX, and my account magically went into good standing XXXX XXXX and up to XXXX XXXX, until I was " delinquent '' again and charged off XXXX XXXX. 

However with XXXX it shows that this account was closed XXXX XXXX ( consistent with settlement talks ), but the last payment received was XXXX XXXX. This is highly inconsistent with what they reported to XXXX. I am also wondering how payments and delinquencies can be made on a closed account dated before additional changes were made to the account.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Loan Under 34 C.F.R. Section 685.215 Dear CFPB I am writing to formally dispute the certification of my student loan under 34 C.F.R. Section 685.215, also known as the False Certification Discharge. I believe that my loan was certified under false pretenses, and as such, I am requesting that my loan be XXXX according to the provisions outlined in this regulation. 
Below are the details of the disputed loan : Loan Account Number : XXXX Date of Loan Certification : XX/XX/2006 School Name : XXXX  Reason for Dispute : According to 34 C.F.R. Section 685.215, a borrower is entitled to a discharge of their student loan if the school falsely certified their eligibility for the loan. I believe that my loan falls under this category for the following reasons : No knowledge of this loan I request that you investigate this matter promptly and provide me with written confirmation that the loan will be XXXX as per the regulations. If additional documentation or information is required, please notify me immediately. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe prescribed by law. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a Citi " XXXX '' card on XX/XX/2022. The XXXX credit bureau had been suggesting cards offering 0 % interest for balance transfers for some time. I chose Citi XXXX for their " 0 % intro APR for 21 months on balance transfers and for 12 months on purchases '' ( Application # XXXX ). The balance I wanted to transfer was about {$4500.00} at the time. I received a letter dated XX/XX/2022 from Citi that stated my credit limit was {$4600.00}. I immediately called Citi to ask about the low credit limit and explained the application was for a " balance transfer ''. The woman I spoke with instructed me to call back to ask for an increase. On XXXX ( XXXX p.m. XXXX ) I called Citi ( phone description XXXX XXXX XXXX ) and explained the initial application was for a balance transfer. After speaking to XXXX, the representative, I asked to speak to a supervisor. XXXX transferred me instead to account specialist XXXX. I again explained the reason I applied for the XXXX card was for the balance transfer promo. XXXX said the Credit Department will review it and I should receive a letter within 7-10 business days. I asked XXXX to make sure to add a note for the Credit Department that this increase is related to the initial application. It doesn't appear that XXXX entered that note because I later received a letter from Citi stating the account was too new for an increase. My complaint is that a {$4600.00} credit limit seems incredibly low for a " XXXX '' cardholder. My credit score was between 750 and 800, on-time payments, no bankruptcies.
Product: Checking or savings account

I have been banking with Capital One for awhile now and every time I get a XXXX payment from a relative or someone I borrowed money to ( I have proof cause I sent this same person {$150.00} ) they keep red flagging my account and holding my money for days. Both parties are registered with XXXX and have never done anything fraudulent with capital XXXX or XXXX. But capital one keeps red flagging my money. It's not fair to the consumer. I spoke to XXXX and they stated that's what XXXX is for and they are not the ones red flagging my transactions, it's CAPITAL ONE. ITS CASH PAYMENTS AND I HAVE RECEIVED BIGGER DEPOSITS THAT WASN'T FLAGGED. SERMS TO ME CAPITAL ONE FINDING REASON TO JUST HOLD CONSUMERS MONEY FOR PERIODS OF TIME FOR THEY'RE OWN GAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Product: Credit reporting

I paid for a membership with Equifax to obtain my credit report and to remove my mother 's XXXX XXXX XXXX 's credit card from my credit report. I am not even an authorized user on her credit report, just her checking account in case of emergency. NOT her credit card. This has damaged my income/debt percentage and my scores plummeted and it will affect my handicap housing application. Every single person I have spoken with by phone and by chat provides me with a link for me to figure it out by myself. I ca n't figure it out because it 's not user friendly. I ca n't even see the credit report that I paid for ; just a summary. No agents from the XXXX are available and the agents XXXX hang up on me, repeat the link, place me on hold indefinitely, tell me there is no supervisor available, etc. 
The XXXX XXXX XXXX credit card is not mine and I 'm not an authorized user. When you call Equifax it directs you to AUTOMATED menu and AUTOMATED sub-menus. I have received ZERO help from my membership. People are rude to the point of saying : what do you want?. I want my money back because I am unable to dispute XXXX XXXX XXXX entry or I want someone to call ME ( from the XXXX ) and get assist me via phone. I have phone logs and copies of chats from the past 3 days which have totaled 6 hours and 12 minutes yet I have not been able to dispute XXXX XXXX XXXX. Also, they have my CURRENT address as a PREVIOUS address and my CURRENT address was never even MY address! It belonged to my STEP mother from almost TEN years ago. I was given an AUTOMATED phone number to fix that as well.
Product: Debt collection

On multiple occasions, I have used the legal protection afforded to me as a consumer by The United States XXXX. I have filed multiple complaints through the CFPB stating Fair Debt Collecting Practices Act laws that MIDLAND CREDIT MANAGEMENT , INC has not abided by. I have mailed an Affidavit of Facts and have not received a response which has to be rebutted line by line with facts. Attached to the affidavit are exhibits with my proof. MIDLAND CREDIT MANAGEMENT, INC is not above the law. They are required by XXXX to follow the laws that have been written by XXXX. Not only does MIDLAND CREDIT MANAGEMENT , INXXXX not follow the laws created by XXXX, but they also threaten me and use profane language against me. I have been threatened with legal action multiple times. This is unfair and defamation of my character. My consumer credit report represents who I am. I have lost job opportunities and I have proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I never gave authorization for. During the past two years, going through the pandemic, I was not applying to run my credit anywhere. but I see here on my credit report, that the entire year of XXXX my credit was ran almost on a monthly basis by various companies. That continued through XXXX and even XXXX already. Some of these are the same company, running inquiries on my credit multiple times throughout the years. Some, I noticed even ran my credit twice in the very same date. This was done without my authorization and without my knowledge. This is practically warfare on my credit by these strange companies and the amount of inquiries is shocking. I should have XXXX inquiries on my credit from XXXX to now, because I did not apply for anything during that time period. I did not give permission or request that my credit be ran for anything. I was not authorizing inquiries of any kind from XXXX to now. I am just now finally going to use my credit after having recovered from the pandemic and concerns about the wars starting overseas impacting our country financially. Having decided to now use my credit towards purchasing a home and starting a business, I was shocked to find my credit being abused by companies that had no authorization from me.
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 ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. 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 # ( private case number ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Mail Current Status - Processed For Delivery ( XX/XX/XXXX XXXX PM ) Letter Mailed Date and Time XXXX XX/XX/XXXX XXXX XXXX  Pass through - Standard Recipient Address - XXXX XXXX  XXXX XXXX XXXX PA XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$30.00}
Product: Credit reporting or other personal consumer reports

I appreciate the time you have taken to address the removal of fraudulent items in my file resulting from an alleged identity theft. However, there are still remaining items that require removal. I have been made aware that Experian is not taking action despite the submission of an FTC fraud report XXXX XXXXXXXX. This marks my third complaint as a victim of identity theft, disputing items in my file associated with the crime. The disputed items are unrelated to any authorized transactions for goods, services, or money. Kindly remove the reporting of these items from my credit file. I have included my new FTC report with reference XXXX XXXXXXXX. The list of items to be removed is as follows : ************EXPERIAN : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to transunion credit bureau and I have heard nothing from them, I have attached multiple documents to help with investigation and multiple times my investigation has come back verified as 100 % correct. Per the fcra transunion should be doing 100 % check on items I am reporting as incorrect. documents attached is evidence.
Product: Credit reporting or other personal consumer reports

I was never late on this account. XXXX XXXX  never presented any record that I have ever been late paying this account. The fcra states a company need to send a 21 day notice of a late payment before placing a late payment on a credit report. XXXX XXXX  XXXX  please show proof that I received such notice in the mail. These late payments are hurting my credit my next step will be ligation, of which I'm pertaining to arbitration. It shall be in your be interest to update each late payment as ok and or paid as agreed. Arbitration fee will cost you close to {$2000.00} as well as daily fees. Please update these payments as paid on time.