23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a call out of the blue from a debt collector saying I have an overdue account with the college I went to. I asked for an itemized statement from the school showing what I owe. On the receipt was over XXXX XXXX in collection and late fees.The man I spoke to from ERS said I had 30 days to pay or it would be marked on my credit. I asked if there was a way to lower the amount due because i did not know i had the over due balance and would have happily paid the amount due before the charges, he said they could settle with the school, and it 's usually 85 %. He told me my best bet was to take out a loan so I could pay them and just make payments to the bank and keep my credit safe. I told him I would try to do that, while he settles with XXXX. We agreed to aim for {$3000.00} to settle the account. He said he would get back to me by the end of the week. He then took my bank account number and routing number, thinking he needed it for verification purposes I gave it to him. Then I got a loan that week but never got a call back from him. After calling several times that week, the next Monday, and tuesday, I finally got a call from a different person at ERS. This person then told me that the payment was received but XXXX wanted an additional {$400.00}. Surprised, I asked what payment. He told me that the payment for {$3900.00} cleared the previous week. I then checked my bank account and sure enough the payment was cleared. I then said I never authorized a payment, and the other man said we would settle for much less and he never returned my calls, this new guy says " yeah I see that he did n't contact you, I 'm sorry he should n't of done what he did, he does n't work in this department anymore. '' I feel that this is very unprofessional and feel that I am being taken advantage of. The man said they still had to collect the {$400.00} but I said I was not paying anything until I spoke to someone about this, which is why I am contacting you. I think that there is fraud going on here and definitely unfair debt collecting practices. They should have never just taken the money from me. There was no communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and did not realize it until just recently. My credit report has inaccurate information and accounts that do not belong to me, I am asking to please remove these accounts from my report immediately. It is against the law to keep these accounts on my credit report, and it is affecting my personal life in many ways. PLEASE REMOVE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries not authorized by me : XXXX XXXX XXXX XXXX XX/XX/ The accounts listed above were not authorized by me and they need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Experian is treating a mortgage account as a regular line of credit. 
This practice is causing my debt to credit ratio to increase. 
I took a home equity line of credit to update my house. Each time I use the home equity, since they dont treat it as a mortgage, the debt to credit ratio increases. I intend to use the full loan to upgrade my home. When I do, my debt to credit ratio according to them will be 100 %. I was denied credit by XXXX XXXX because of this. I spent hours so far trying to get them to use this as a mortgage like XXXX and XXXX are doing. 
This practice by experian cost me money in denial of credit and higher interest on current line of credit. This practice caused me XXXX of lost hours with waiting in line for my phone call to be answered and have the communication dropped. 
This practice caused me griefs and frustration. 
I am a XXXX veteran with XXXX and this situation has taken a toll on my every day health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep receiving notifications from my credit monitoring service, that my score SEVERELY decreased due to missed payments on my car loan. Although I HAVE NOT missed ANY payments, XXXX XXXX has reported I have missed my payments for 4 months! I called XXXX XXXX and they told me to dispute it, then they would correct it! I did and NOTHING was updated and/or corrected! I have NEVER paid 30 days late and according to FCRA and 15 US Code 1666b, inaccurate information must be removed and deleted immediatley! I have disputed the inaccurate information EVERY month since XX/XX/XXXX - present, which has been WELL OVER 30 days for XXXX XXXX to correct it! Now, I feel I need to SUE becuase I am very distressed that they have reported late payments/past due info in my credit profile due to damaging effects on my credit standing! 

Also, I purchased this vehicle in XX/XX/XXXX and I have only had the vehicle in my possession for 6-7 months! The remainder of the months it was in the REPAIR SHOP with MAJOR issues, icluding leaking GASOLINE inside of it, which has also caused me to now have XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security has been already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX ) // XXXX ( XXXX XXXX XXXX XXXX XXXX ), has violated my rights. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, 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 shalli ) 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.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST 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 recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Mortgage

Bank of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Spoke with rep XXXX at Bank of America. She refused to speak to me unless I stated I was not recording the phone call. She did not request permission to record the phone call, and she refused to shut off their recording of the conversation. The only thing she would do is to dump me into someones random voicemail. Considering her behavior on the phone I have no doubt I will NOT receive a call back. 



All of these actions on the part of BAC are illegal. Its obvious they dont want to be recorded because they are committing violations of Federal and State Law.

Weve already caught them and they have admitted on a recorded line that they have willfully destroyed documentation on this file once. What is BAC trying to hide? Are they going the way of XXXX XXXX in this illegal behavior? 


BANK OF AMERICA DEMANDS CONSENT TO RECORD BUT REFUSES TO ALLOW THE OTHER PARTY TO RECORD??? 


Bank of America has already been fine XXXX XXXX dollars over the past 10 years for XXXX   SERVICING. Bank of America is the MOST FINED SERVICER since the mortgage crisis  began. 


WHAT IS BANK OF AMERICA TRYING TO HIDE???
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S.C 1681b - Permissible purposes of consumer reports ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave this reporting agency any written consent to report anything on my consumer report. No consent is illegal and is considered identity theft under FCRA. I am also the CONSUMER which means under law, I am the only person able to validate any debts which I do not validate here. Because of this, I demand the deletion of the missed payments on this account : XXXX XXXX XXXX XXXX Since you are in violation of my consumer rights, I demand action to be taken immediately. If no course of action is taken immediately upon arrival of this letter, I will be filing a complaint with the Attorney General, and the FTC for identity theft on your behalf. In accordance with 15 USC 1681n you are civilly liable for damages so I will be seeking monetary relief if no action is taken immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. These fraudulent, inaccurate, and false information consists of a personal Accounts 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 
These accounts have resulted in several fraudulent charge offs and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and charge offs 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. {$610.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute PXXXX XXXX/XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$1000.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$170.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$510.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$210.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXXAccount Name XXXX   XXXX  XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$7800.00} Balance Updated XX/XX/XXXX Recent Payment $ 435 Monthly Payment {$430.00} Original Balance {$18000.00} Highest Balance {$0.00} Terms 84 Months XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$170.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$510.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$210.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXX Dispute XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$7800.00} Date OpenedXX/XX/XXXX filed ftc not mine
Product: Credit card

I was able to sign up for an American Express card online, but after years of not using it and paying an annual fee I have attempted to close it online. I was informed that closing the account had to be done over the phone, however I have tried multiple times to close the account over the telephone only to be placed on an endless hold ( over an hour each time before hanging up ). 

If the card can be applied for online, I should be able to cancel it online as well through my online account. I feel like I am being forced against my will to keep this card by American Express making it intentionally difficult to close.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported a 30 day late payment on my transUnion credit report between XX/XX/2023 and XX/XX/2023 Please Remove this information from my credit report pursuant to section 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 any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay- ment due date.

15 U.S Code 16815-2 ( B ) of the fair credit reporting act. If a consumer submits a identity theft report to a person who furnishes information at the address specified by that person for receiving such reports stating that information mantained by such person that puports that relate to the consumer resulted from identity theft, the person May NOT furnish such information that puports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. Also I wasnt never late because my payment due on the XXXX of each month and I paid it on the XXXX and I have all the proof Im sending over screenshot of my payment being paid on the XXXX however its not my fault if they system take days to post my payment however it paid my bill on time which why this late payment must be removed asap and it is also illegal under 15 USC 1666B and 15 USC 1561A please remove this late payment I take pride in my personal credit I pay all my bills on time.
Product: Checking or savings account

I once had a Money Market account with United Bank Which was recently transferred to Peoples United Bank. I have been having difficulties with them ever since, and have been trying to transfer my money out of the account and close it. 

I was told I am not allowed to transfer my money out of my Money market account which is unjust given it is my money. I was transferred over to three separate times to account specialist that never answered. I just spent 2 hours of my day trying to do this and have been getting the runaround. At this point, I don't trust this bank and I'm seeking assistance retrieving the funds that I worked hard for.
Product: Debt collection

This company is repeatedly calling me and when i ask why they are calling me I am told they dont know or it is a mistake. I have repeatedly asked to have my number removed from their database and they confirm this has been done however the calls keep coming. I have had the same conversation over and over and yet they do not stop calling me. 

I have asked to speak with the manager at this company here are her details below : Company : Alliance one XXXX XXXX Call Center supervisor XXXX XXXX XXXX XXXX Washington XXXX
Product: Mortgage

I am concerned about an increase in my escrow account which results in a higher payment each month. The only thing that is paid from my escrow account are my taxes on my house. The problem is that my previous company, before my loan was sold to my current company, increased my escrow last XXXX. The current mortgage company did an escrow analysis in XXXX and said that my escrow/payment has been increased as of XXXX. The taxes are paid until XX/XX/XXXX, but the mortgage increase begins XX/XX/XXXX and will continue until XX/XX/XXXX when they do another escrow analysis. This company requires an escrow cushion of double the amount that would be necessary to pay the taxes. It seems unfair to require an increase 5 months before the tax due date because the taxes are already paid for XXXX. It also seems unfair to require a cushion of double the amount necessary to pay the taxes. The example on their website says if you are short {$500.00}, your cushion would be a {$1000.00} increase. Why should the mortgage company be allowed to use a consumer 's money for 5 months before it is due and then continue to take in double the money necessary for the next 12 months?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight  on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Last reported XX/XX/XXXX {$22000.00} Reported balance ADVANCED XXXX  Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX   Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

The financial mortgage company who is handling my mortgage has taken XXXX extra monthly payments out of my bank account XXXX in one week. The other was a XXXX amount of the mortgage payment the same day. Neither were authorized. They are only authorized to take XXXX payment monthly. I called & notified them & they told me that it was a mistake & it would be taken care of in 10 days. This has happened XXXX & no course of action has been taken on the mortgage company 's end.