23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a mortgage loan with Bank of America. I was given apre approval letter. BOA disapproved the loan right before I wasset to close on the property because Debt to Income being to high. 
In setting the debt, BOA utilized an auto loan that had been paidoff and not utilizing income on a rental property, both issues thatI had extensively discussed with the loan processor. AdditionallyBOA did not calculate rental property income in accordance withXXXX XXXX guidelines and would not correct their mistake whenit was brought to their attention. In calculating the rental incomeBOA calculated a rental income of {$9700.00} for tax year XXXX a loss of {$1600.00} for tax year XXXX. However in the calculationof the two year average, BOA calculated a two year averageas a loss of {$6100.00}. Additionally in calculating the loss for taxyear XXXX, BOA did not add back the HOA fees listed on the taxreturn as required by the XXXX Guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure investigation these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit beaurus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts 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 accounts below : XXXXXXXX XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}.
Product: Credit reporting or other personal consumer reports

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 four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXXXXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX, opened on XX/XX/XXXX XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX ; XXXX, XXXX, XXXX on XX/XX/XXXX ; and unauthorized hard inquiries from XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; and XXXX XXXX XXXX on XX/XX/XXXX XXXX I have attached a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024, and again on XX/XX/year>2024, I contacted Equifax in writing to address two credit profiles ( XXXX Bank {$3600.00} and XXXX XXXX {$1800.00} ) that have exceeded the statute of limitations for being reported on my credit file. According to the Fair Credit Reporting Act ( FCRA ), these accounts should have been removed from my credit report after 7 years. 

Despite this, Equifax has not deleted the files. Instead, they continue to verify and update these accounts on a monthly basis, falsely presenting them as active debts. This ongoing reporting is in violation of the FCRA and is negatively impacting my credit score each month, causing undue harm to my financial standing.
Product: Debt collection

Dear 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: Debt collection

My name is XXXX XXXX! My complaint is in regards to a collections account on my credit from AMERICOLLECT. The collection is in the amount of {$640.00} and claims to be from a medical bill. The collection was opened XX/XX/2016. I have attempted to dispute this collection and request information from the Collection agency as I have no knowledge of this claim. I have had XXXX insurance most of my life and all of my medical expenses are covered. When I attempted to request Information and proof of validity the collection agency refused to give me any information other than the amount thats owed. I have no recollection of owing a medical bill and do not believe this claim to be accurate. Please help!
Product: Credit reporting 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 .I told XXXX XXXX Transunion XXXX and XXXX to reinvestigate these accounts : Account name : Date Filed XXXX Court Id XXXX XXXX XXXX Case Number XXXX Trustee XXXX XXXXXXXX XXXX Type Individual Disposition Proposal to creditors Disposition XXXX XXXX  Liability XXXXXXXX XXXX XXXXXXXX, Account name : Description Unpaid Collection Code XXXX Date XXXX Agency Name XXXX XXXX XXXX XXXX Account Number XXXX Creditor XXXX XXXX XXXX Original Amount {$9000.00} Balance Amount {$9000.00} Last Payment XXXX, Account name : Description Unpaid Collection Code UC Date XXXX Agency Name XXXX XXXX XXXX Account Number XXXX Creditor XXXX XXXX XXXX XXXX Original Amount {$430.00} Balance Amount {$760.00} Last Payment XXXX, Account name : Date Reported XXXX Creditor Id XXXX XXXX High Credit Amount {$690.00} Balance Amount {$690.00} Past Due Amount $ XXXX Months Reviewed XXXX Date Opened XXXX Portfolio Type Open Payment Rate One payment past due Payment Rate Code O2.Account name : Date Reported XXXX Creditor Id XXXX XXXX XXXX High Credit Amount {$11000.00} Payment Term Amount {$260.00} Balance Amount {$14000.00} Past Due Amount {$1800.00} Date Opened XXXX Portfolio Type Revolving Payment Rate Bad debt, collection account or unable to locate Payment Rate Code R9 Account name : Date Reported XXXX Creditor Id XXXX High Credit Amount {$10000.00} Payment Term Amount {$9900.00} Balance Amount {$11000.00} Past Due Amount {$11000.00} Date Opened XXXX Portfolio Type Revolving Payment Rate Bad debt, collection account or unable to locate Payment Rate Code R9 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have requested validation several times and yet to receive anything except for a collection notice
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Hello, XXXX, XXXX, & XXXX law firm and Capital One Bank are the companies at fault. They called before XXXX XXXX local time on Monday, XX/XX/XXXX. In addition, they sued me without providing proper notification due to the fact that I moved to TN in XXXX from the state of NJ. I received no notification of the proceedings. My bank account was then frozen on Friday, XX/XX/XXXX through the NJ court system during a declared state of emergency in both NJ and TN. Upon figuring out what was going on, I attempted to call XXXX, XXXX, & XXXX to resolve the issue and they informed me that they would send the accounts back to Capital One, but it could take 14 business days. Meanwhile, I am being forced to suffer with no funds available to me and no way to resolve the issue. 
Thank you for your time, XXXX XXXX
Product: Mortgage

I am writing this complaint against ASC/WFHM in response to the QWR violations coupled with the unfair, deceptive, and abusive acts and practices that I have experienced at the hands of the ASC/WFHM and their representatives. 

On XX/XX/XXXX, I submitted a qualified written request ( QWR ) asking for copies of my origination documentation to validate my debt as well as other documentation to include the transfer of my mortgage from one owner/servicer to another and ultimately, ASC/WFHM. I was shocked when I received a phone call from XXXX XXXX in the executive offices of WFHM on XX/XX/XXXX, refusing to comply with the QWR requirements set forth by RESPA ( see attached letter ). As if that was n't shocking enough that WFHM ( ASC ) refused to respond to my QWR, XXXX XXXX defended his decision by stating that WFHM ( ASC ) violated FDCPA laws by previously sending out a response to a similar inquiry back in XX/XX/XXXX containing approximately XXXX pages of confidential information to me - the XXXX pages included my name, address, social security number, loan application, mortgage deed and note, etc. - that was left out on my doorstep fro anyone to see and/or steal. I never received the alleged documentation from WFHM ( ASC ) and XXXX XXXX confirmed that it was sent to me without requiring signature and with confirmation from XXXX stating that it was left outside my home because no signature was required. I believe that I am now in jeopardy of someone stealing my identity due to the actions of WFHM ( ASC ) because they did not protect my confidential information and left it on my doorstep for anyone to steal. 

To add insult to injury, WFHM ( ASC ) slapped a sale date on my property while refusing to answer my QWR and then sent me the requested documentation finally XX/XX/XXXX, which I believe is a QWR violation of RESPA laws requiring QWRs to be confirmed in writing as received in XXXX days and answered in XXXX days. Why did WFHM ( ASC ) decide to send the QWR response now when they refused XX/XX/XXXX? Was it because I now have very little time to review XXXX pages of documentation before my scheduled sale date ... are they hiding something that they do not want me to find? 

I am in the process of submitting a RMA in an effort to retain my home and up against a sale date in just a couple weeks. Please hold WFHM ( ASC ) accountable for their actions and please allow me ample time to apply for mortgage assistance while I review the requested documentation to ensure that all federal laws were followed in the transfer of my mortgage loan on my primary residence and to address any predatory lending or toxic loan concerns. 

Thank you!
Product: Payday loan, title loan, or personal loan

Wells Fargo personal loan unknown fees excess interest and servicemembers civil relief act request never applied. Submitted the request for the servicemembers civil relief act by fax several times and always receive the runaround when calling and finding out about it status.
Product: Debt collection

The debt collection agency contacted us regarding a credit card debt of {$720.00}. The agency offered a settlement amount of {$500.00} from the original amount of {$720.00}. We agreed to the settlement amount of {$500.00}. We received notice that the agency did take the full {$720.00} from our bank account, not the agreed apon settlement amount of {$500.00}. This is a deceptive debt collection practice. We did contact the collection agency, however, I do not believe they will refund the money.
Product: Student loan

I have a recurring monthly payment for my student loan through the XXXX XXXX XXXX XXXX servicing platform Mohela, typically in the amount of {$1000.00}. Since the transition to the new platform and payments on XX/XX/year>, I have been charged on XXXX separate occasions of the amount {$1000.00} for payments which I did not schedule. The first time was XX/XX/XXXX and then again on XX/XX/XXXX, I scheduled a payment for this exact amount, which was duly posted to my account on XX/XX/XXXX. 

However, on the same day, XX/XX/XXXX, I observed another unauthorized charge from Mohela in the amount of {$1000.00}, bringing the total to {$2000.00}. I want to emphasize that I did not authorize this additional charge. It's the second occurrence of such unauthorized debits, despite my numerous attempts to address and resolve the issue with Mohela directly. Regrettably, they have been unable to provide any satisfactory resolution, insisting on a prolonged XXXX timeframe for a resolution, which I find unacceptable given the recurring nature of the problem. 

In response to these unauthorized transactions, I have taken proactive steps to safeguard my account by removing my bank account information from the Mohela portal and deleting all scheduled future payments. 

Then most recently on XX/XX/XXXX, I manually inputted my monthly payment of {$1000.00} which posted on my account and additional {$1000.00} taken out of my account the same day that I did not schedule. 

Most recently today XX/XX/XXXX I noticed my bank had given me the funds back as each time I have to fill out a unauthorized charge form to my bank to give me the money back since Mohela has been not help at all. But I noticed Mohela platform today, XX/XX/XXXX that they reserved my payment which I did not ask to do, nor did they refund my money back. Right now my loan is showing the total of {$340000.00} which is incorrect and supposed to by {$240000.00}. 

For your reference, I have attached screenshots documenting the unauthorized charges, along with a record of payments made to Mohela this year. I trust this additional documentation will aid in your investigation. 

Again I want to emphasize Mohela has not done anything to help resolve this issue or prevent charges that I did not schedule or do myself. 

I am eager to discuss this matter further either over the phone or in person at one of your branches. I believe open dialogue and collaborative problem-solving are essential to prevent such incidents from occurring in the future.
Product: Credit reporting or other personal consumer reports

The last states that you must have my written consent to share my information with any business, Pursuant to 15 USC 1681B ( 2 ), 15 usc 1692, The law also states that each financial institution that extends credit ( Student loan ) They have a affirmative and continuing obligation to respect the privacy of its consumer ( me ) Protect the security and confidentiality of its consumers. Pursuant to 15 USC 6801 STUDENT LOANS.
Product: Debt collection

I contacted Allied Business services and was told that they no longer had my account and the account was sent back to the original creditor. I asked the representative if there was a reason for me not receiving notice due to it damaging my credit and the rep stated that the credit bureaus were contacted and the information is still on my report as of today XX/XX/2019. i was given inaccurate dates of the company releasing my files and now I am suffering financially due to the negative information not being removed in a timely fashion. As a consumer I feel that my rights have been violated and my credit as well as my character is tarnished.
Product: Mortgage

I suffered damage to my home from Hurricane Maria on XX/XX/2018. I received a settlement check from my insurance company which I sent to the Mortgage company ( Capital Mortgage Services of Texas , Inc. ) since they had to endorse it. I have a contractor fixing my house now, but I could not obtain a contractor immediately due to their current work load. They started work on XX/XX/XXXX. 

Between the time of XX/XX/XXXX and XX/XX/XXXX I had to undertake a few repairs myself, such as demoing hazards from my damaged roof and patio deck. My contractor had already quoted a price for this, but its no longer necessary to do some of that work, since it has already been repaired. We removed the work from the contractor 's contract that had already been done. 

I asked my mortgage company what happens to the surplus money since insurance had already paid for these repairs. They said that they could not return any surplus funds to me and that it had to go to pay towards the balance of the loan. I am in good standing, and never missed a payment. It was my understanding that they could only collect on insurance claims if you are not in good standing. They also stated that they can not pay home-owners for self performing work. 

Additionally, they will not issue disbursements to me without first getting an inspection. They are automatically deducting {$120.00} from my escrow account for each inspection. The paperwork I signed said that inspections may be required and would cost between {$25.00} and {$50.00}. They are calling for the inspections and then taking money from my insurance settlement to pay for them, which seems unscrupulous.
Product: Debt collection

XXXX XXXX XXXX XXXX Date of service XXXX XXXX bill from XXXX XXXXXXXX XXXX XXXX {$380.00}, XXXX bill from XXXX XXXX XXXX XXXX  {$380.00}, XXXX I called XXXX, was told that XXXX XXXX XXXX XXXX had to billed incorrectly, XXXX sent them a letter, XXXX AR Resources notified credit agency of a collection account in the amount of {$380.00} and sent me a letter of collection, XXXX I received XXXX insurance letter showing a copy of letter sent to XXXX XXXX XXXX XXXX  regarding submission of bill for {$380.00}, XXXX I called XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  related that they would contact AR resources and pull the bill back from collection pending XXXX payment, XXXX I received explanation of benefits from XXXX showing they amount they paid and the amount that I owe to be {$32.00}, I never received an accurate bill from XXXX XXXX XXXX XXXX, I never received an accurate bill from AR Resources collection agency, XX/XX/2021 XXXX XXXX XXXX XXXX billing was acquired by XXXX XXXX billing services, XXXX I saw the collection account on XXXX, I contacted AR Resources and paid the {$32.00}, AR Resources stated that once the payment was made that the account would be removed from the credit bureaus, they stated that they do not have a pay to remove option but that they would remove the collection upon payment and that it would take from 30 45 days, XXXX I called XXXX XXXX  billing services and asked for assistance with removing the collection account from my credit report. They stated that they could not do anything to assist because they were not the originator of the bill, XXXX I called AR Resources, I was told that I would just have to wait the 30 45 days for the collection account to be removed from my credit report. I asked why I was never sent a correct billing. I was also told that they had adjusted the amount from {$380.00} to {$32.00} in XXXX of XXXX  and that I should have called them to find that out. I was also told that they sent me a letter on XXXX detailing the payment are removal of the collection. I have not yet received that letter, IF this account had EVEN been properly billed I would have paid it. I do not feel that I should be penalized due to the errors by the original billing company, the collection agency and the secondary billing company. 

AR Resources stated that all of our calls were being recorded so they will have verification of the statement that they would completely remove the collection account from my credit report and my correct credit score would be restored.