23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX our Bank of America Mortgage Loan was refinanced by my Mother, Brother and I to help our Mother financially after my Father passed away in XXXX. In XXXX Bank of America ( " BofA '' ) Home Retention Dept. offered her a 3-month Trial Mortgage Modification to further assist her financially. This Trail Modification lasted 4 years until it finally became permanent in XXXX, the year my Mother passed away. During this time, BofA caused the total debt surrounding our Refinanced Mortgage in the amount of {$33000.00} which was accumulated over this 4 year period from XXXX to XXXX. This occurred because the Temporary Mortgage Modification rate was paid as promised by BofA Home Retention for 4 years until the Modification became permanent in XXXX. 
In XXXX, at the Bank of America ( " BofA '' ) Refinance Home Loan Closing my Mother, Brother and I signed and initialed every page put before us of the Mortgage Agreement documents and the Department of Housing and Urban Development Final Settlement Statement document as the primary property owners of our home and borrowers of the Refinaced Home Loan. Four years later my Mother passed away in XXXX and Bank of America refused to acknowledge that my Brother and I were indeed borrowers on the Loan at the time of Closing in XXXX. When asked the reason why, BofA 's, XXXX produced a Bank Note without my Brother and my signature on it. However they acknowledged that Dept of Housing Final Settlement Statement was signed by all 3 of us listed as signatories on the document. BofA 's Assumption Dept. refused to acknowledge the descrpency and correct this action, ignoring the facts of what they had presented before them. This disregard to this date for what we agreed to and Closed on in writing has caused us far reaching ramifications with long lasting monetary damages to our family with negative results that needs to be fixed which will soon be felt even more by the actions mandated by the Dept. of Justice, IRS and State Tax Agency if we do not recover the monetary and personal damages from our losses due to the Bank of Americas negligence over the past several years. To this date Bank of America will not answer my letters, calls and pleas for action on their part to resolve this matter. Instead they distance themselves from this problem by transferring our Mortgage to different Servicers and calling the action that it 's out of their hands. Unfortunately, I 've found that it clearly is not out of BofA 's hands due to the fact that Bank of America shares the same Attorney Law Firm ( s ) with XXXX an out of State XXXX servicer. Since the transfer to XXXX in early XXXX, our Homeowner 's Insurance Escrow was cancelled however our Tax Escrow as far as I know was not cancelled. Upon pointing this out to XXXX XXXX, another transfer took place to another out of State of XXXX, XXXX in XX/XX/2016 who has not yet made contact regarding our property or complaints.
Product: Debt collection

This company has never responded to the original complaint submitted on XX/XX/XXXX via CFPB website. 

This is my second complaint. This company is in violation of the FDCPA ( Fair Debt Collection Practices Act ). I've asked this company to provide the following via and enclosed " Credit Disclosure Statement '' : *Amount of debt purported to be owed *Date debt was charged off *Was the debt ASSIGNED or PURCHASED from a previous creditor *To state the amount of money paid for the ASSIGNMENT or PURCHASE of said debt I have revoked their power of attorney and I do not give them permission to do business as a third party in my commercial affairs yet they keep committing this FRAUDULENT ACT. 

They continue to be in violation of the FDCPA ( Fair Debt Collection Practices Act ) by not providing their verified proof of claim via the " Credit Disclosure Statement '' They have yet to substantiate their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This TARGET is currently showing 30 days late way back XX/XX/XXXX, XX/XX/XXXX and in XXXX to XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
TARGET/TD XXXX XXXX : {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX : {$81000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$190.00} XXXX  XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage and extreme disappointment regarding the recent data breach that compromised my personal information due to your companys negligence. It is absolutely unacceptable that an organization entrusted with safeguarding sensitive data has failed so miserably in its responsibilities. The breach of my personal information is not only an invasion of my privacy but also a serious security risk that could have lasting consequences. 

Your failure to implement and maintain adequate security measures has placed me and countless others in jeopardy. Because of this breach, my personal and financial security are now at risk, and I demand immediate action to rectify this gross violation of trust. 

As a victim of your incompetence, I expect the following actions to be taken without delay : A Full Explanation I demand a detailed account of how and why this breach occurred, including when you became aware of it and why your security measures failed to protect my information. 

Compensation for Damages If I suffer any financial losses, identity theft, or other consequences as a result of your data breach, I will hold your company fully liable and pursue all available legal remedies. 

Immediate Security Improvements I expect immediate action to ensure that no further breaches occur, including specific details on how you plan to improve your security infrastructure. 

Credit Monitoring and Identity Protection As a direct consequence of your failure, I demand that you provide me with at least XXXX  years of credit monitoring and identity theft protection services at no cost to me. 

Your companys failure to safeguard my personal information has caused unnecessary stress and concern, and I will not tolerate inaction or half-hearted responses. If I do not receive a satisfactory resolution to this matter within 14 days, I will escalate my complaint to regulatory authorities, consider legal action, and publicly expose your companys negligence. 

I expect an immediate response addressing my concerns in full. Do not underestimate the seriousness of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section XXXX ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

MY TAXES IN THE YEAR XXXX WERE {$6200.00}, NOW IN THE YEAR XXXX THEY WERE {$5100.00}. IT SEEMS LIKE EVERY YEAR MY ESCROW IS ALWAYS IN SHORTAGE. MY TAXES DROPPED BY ALMOST MORE THAN {$1000.00} AND STILL, I'M IN SHORTAGE, WHY? ALSO, MY PAYMENT WAS {$1300.00} AND IT DROPPED TO {$1000.00} IN XXXX MEANWHILE XXXX AND XXXX PAYMENTS WERE {$1300.00} WHY DID I NOT EXTRA CREDIT FOR THE EXTRA {$300.00} FOR THOSE 2 MONTHS? I WANT TO BE CREDIT THE EXTRA {$600.00} TO THE PRINCIPAL ON MY ACCOUNT FOR THOSE PAYMENTS AND NOT SHOW A SHORTAGE
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with Experian over the years with accounts I did not believe to be mine or that I believed to be incorrect and they always end up with the same result ( denied ) but no explanation as to why.
Product: Money transfer, virtual currency, or money service

There are multiple unexplained transactions reported starting XXXX. Even after creating a new account in XXXX it still continued with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$5800.00} XXXX  XXXX Bankruptcy Discharged Reference # : XXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I paid a collection account to XXXX XXXX XXXX. This payment was to satisfy the balance in full. XXXX XXXX XXXX agreed to delete this collection from all three credit bureaus. As of XX/XX/2020 XXXX  and XXXX XXXX have both removed the account from my credit report. However, Equifax has not removed it nor have they updated the balance to {$0.00}. This account is reporting incorrectly and needs to be updated immediately for mortgage purposes. It should be deleted just like the other two credit bureaus. XXXX XXXX XXXXXXXX informed me all three credit bureaus were given the correct information. They stated they requested to remove the account from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This information that I show here shows some late payments and I never had a late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX partial account XXXX that belongs to the Merchant : XXXX XXXX XXXX XXXXXXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is high balance of {$300.00} in XX/XX/XXXX This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/XXXX. 

XXXX, I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX account # XXXX which is also the same account associated with their collection agency, XXXX XXXX account # XXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is charged off for {$560.00} in XX/XX/XXXX under the XXXX XXXX and with XXXX XXXX  that the derogatory condition is {$520.00} past due in XX/XX/XXXX. This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 designed 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 payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make a consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate 15 U.S.C 1681a ; Rule of Construction : it states a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles 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 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 repeat 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: Debt collection

THE BEST SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITYXXXX CA XXXX XXXX XXXX 2017 To Whom It May Concern : Your firm has continuously contacted me over an alleged debt in the amount of {$250.00}. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, including proof of a contractual obligation that binds me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor.
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Intimate knowledge of the creation of the debt by you, the collection agency.
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX Plaintiff, vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.
I look forward to a speedy resolution of this matter.
Sincerely,
Product: Money transfer, virtual currency, or money service

A check was sent to me by mail, ive never cashed a check before but i saw bank of america had the mobile version so i cashed them only to find out how checks really work after the fact and realized i got scammed. There were XXXX checks total worth {$3000.00} I tried logging in my bank app around XXXX am for them to tell me its locked, XX/XX/XXXX. I call around XXXX am XX/XX/XXXX for them to tell me my account is closed, although they didnt tell me why i know why. So i would like to clear up any future hindrance. The check felt real, but i didnt ask myself what did i do to deserve this. I dont need to open a new account with Bank of America XXXX but would also like to not have a remark on my name for such foolishness on my end.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must remove the LISTED account from my file. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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

original creditor was XXXX XXXX XXXX XXXX XXXX XXXX and this credit card was opened with a {$300.00} balance .. ordered products on XXXX XXXX XX/XX/XXXX - Order No. XXXX and they were not rec 'd - reached out to the seller to dispute the delivery and was not able to get in touch with anyone - reached out to the card company and disputed the non delivery and not sure what happened from then. Now they are saying that I owe {$610.00} .. this amount is highly incorrect .. the card only had a {$300.00} balance and that amount was disputed. was not able to get anywhere with the retailer nor the card company and have since been going back and forth with different companies who buy this debt trying to explain this issue over and over - XXXX XXXX closed the account .. it is showing on my report as Open .. this is incorrect also - the company currently with this debt is called XXXX XXXX XXXX and last reported was XX/XX/XXXX and this is incorrect - account reaged - shows the account was opened on XX/XX/XXXX but that is also not correct - reaged .. meanwhile it is still on my credit report as a collection - please help me to have this removed as soon as possible as it is an incorrect amount and also incorrect information .. I also believe that this account was reaged to remain on my report. please help me to remove - XXXX XXXX file number XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested debt validation from XXXX XXXX XXXX XXXX regarding an alleged collection account. The agency responded with only general information but failed to provide key details such as an itemized breakdown of charges, the original creditors details, or proof that I am responsible for this debt. 

on XX/XX/XXXX when disputed via Experian they gave me the exact same word for word summary again not proving its a real debt that was mine. 

Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), debt collectors must provide meaningful validation upon request. Since they failed to do so, they are violating the law and should not be allowed to report unverifiable information to credit bureaus.
Product: Debt collection

The collection agency is trying to collect a debt but is not licensed to operate in my state of Georgia.