23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I have received a letter from your bank company, Bank of America, which indicate that I have some disputes on my account ending XXXX Since I do not recognize which account you mean, I need to ask to clarify me which dispute you mean. As far as I remember, I complained about my dental issue/grievance to your bank, since your bank is my main bank. Or this XXXX account might be my joint account, which shares with my legal son. I request the clarification. 

Sincerely,
Product: Debt collection

On XX/XX/2017 found debt on account in amount of {$1900.00}. Ex-spouse obtained loan during my XXXX using my name after trying to have item removed amount on credit report jumped over {$3000.00}.
Product: Checking or savings account

Citi Bank is retaliating against me due to my XXXX and social security income. 

On or around XX/XX/2020, a XXXX transaction took place on my account for XXXX, XXXX and XXXX to a unknown person by the name of XXXX. I didn't authorized those transaction. 

Due to my XXXX and social security income, I requested an fraud investigation. 

I disagree with Citibank regarding the balance on the account. I didn't authorized the transaction. 

The transaction is not valid and Citi Bank has refused to conduct an investigation. I reach out to Citibank on multiple times to protect myself from unauthorized charges with XXXX but Citibank refuse to conduct an fraud investigation regarding the transaction which may be connected to the paycheck protection program. 

This is a discrimination action against Rev. XXXX XXXX XXXX due to his XXXX and social security income. 

The transaction was never received or made by me. The transaction was dispute with Citibank. 

Citi Bank is refusing to proceed with arbitration under the term and conditions. 

Such fraudulent transaction with my bank account is making it very hard to payoff my double cash credit card because XXXX is missing from my banking account. 



ATTACHMENTS
Product: Mortgage

We submitted a home refinance to Citi Mortgage on XX/XX/XXXX. Our initial closing date was set for XX/XX/XXXX. It was then rescheduled for XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX and now for XX/XX/XXXX. Phone messages have been ignored and there has been minimal email communication apologizing for the inability to set a concrete date for closing.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX sold my private source data information to XXXX XXXX  without authorization or consent ti release consumer private information. A cease and desist was sent out to XXXX  as well as a request for a bill of particulars, consent to furnish private information from a third party, full account statements showing both sides of the ledger, XXXX for the assumed debt and none of this information was provided. I have filed a fraud complain with the FTC FOR SECURITY FRAUD AS WELL AS REPORTING THIS COMPANY FOR TAX EVASION
Product: Mortgage

My account was paid and included XX/XX/XXXX Chapter XXXX, discharged on XX/XX/XXXX. Bank of American are billing a deceptive amount. The monies paid were reversed and added back into the loan making the loan more than what the Heloc 's original amount. Debt was paid in chapter XXXX and settled with debtor. Bank of America has reported to all credit reporting agencies during the period that of the chapter XXXX bankruptcy. They attempted to collect on the debt during the XXXX year chapter XXXX bankruptcy period. I attempted in good faith to work with bank of America and each time, they became more aggressive with billing statements with deceptive information and false claim of amount owed. They have reported to credit agency false misleading information that I have disputed. They have mailed false billing statements. They have reported missed payments and late paying to the credit bureau. I filed with XXXX and someone sent a mean nasty message regarding filing with XXXX and stated that this would be handled with CFPB and it has not been resolved to this day.
Product: Credit reporting or other personal consumer reports

I am natural person. I am a living human being.I HAVE rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous of times. I demand the following accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We have had no access to transaction information for an authorized user 's Capital One credit card online on CapitalOne.com and on the Capital One app. We have contacted Capital One customer service at ( XXXX ) XXXX on multiple occasions and have been placed on hold for a cumulative time of approximately 8 hours. We have been given false promises, and we have been given conflicting information regarding how to upgrade an authorized to an account manager. Capital One has even insinuated that we are committing fraud, despite having a Capital One credit card account in good standing, and both credit card users having a XXXX score of approximately XXXX or higher.
Product: Debt collection

Was evicted from XXXXXXXX XXXX XXXX XXXXXXXX ) this is the correct collection amount owed ( {$5400.00} ) to the debt collector PRO COLLECT but as an act of identity fraud a second account for the same amount was reported by PRO COLLECT to my credit report. The account opened XX/XX/XXXX in the amount of XXXX is the only account that should be open. The fraudulently opened account on XX/XX/XXXX for the same amount ( {$5400.00} ) was an act of identity fraud/theft taken by PRO COLLECT
Product: Debt collection

Asked for original creditor name and address never given, stole the car and sold it, paid off by debt instrument returned to company and asking for a debt that was paid and not owed to them they did not credit my anything by use of restricted securities account as trustee in the inducement of fraud acting as if the credited me as a consumer/ human/ natural person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX
Product: Debt collection

I have a Capital One account, and they put a 30 day and a 60 day late on my record for in 2012 for only {$50.00} of mispayment, due to my address changed, I 've paid all of it back and they did not attempt to collect from me. instead they put a negative to my score.
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent two follow up letters on XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status. 

Under the FCRA, the credit reporting agencies have 30 days to conduct their investigation after they receive the request. Since it is now going on 120 days, the resolution I see fit is for the accounts in question be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : XXXX XXXX, as shown on two reporting agencies XXXX  and XXXX  and is showing incorrect information. I sent them letters requesting validation that is competent evidence bearing my signature showing that I have or have ever had some contractual obligation to pay them. I sent a letter on XX/XX/2018 that was received by them through certified return receipt on XX/XX/2018 tracking number XXXX. On XX/XX/2018 I received in the mail a letter from XXXX XXXX XXXX a that states that the information they have is correct and sent me copies of a credit card statement. I asked for competent evidence bearing my signature. A copy of a statement does not constitute verification as stated in my letters. On XX/XX/2018 I sent out a second letter I requested for them to provide me with the names addresses and telephone numbers of each person who personally verified the alleged account. So I could follow up on there procedures since on proof bearing my signature was provided. I received from them a second letter on XX/XX/2018 again they said the information is correct. Both letters state they will be marking the account status as disputed with the credit reporting agencies however to this day non of the reporting agencies are showing it marked as disputed. The type of account is listed as OPEN. Please remove this incorrect information. Midland is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. The " Recent Balance '' and " Balance Updated '' Midland has most recently reported is { {$1500.00} }. Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. Midland may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Midland also may not show the account as " Open '' as they are not a creditor and may not list an account as open. Midland also may not report a recent payment history as they are not a creditor. I am requesting that this account be deleted since they are in willful non compliance of not providing me the requested information in a timely manner or any time for that matter. They are also in violation with the Fair Debt Collection Practices Act Sect 807-8 and Nevada Revised Statute 598C.160 Duties of Reporting Agency. Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, letters were sent to XXXX, XXXX, and Experian alerting them that I have once again been the victim of identity theft and 5 items were not mine and should be removed at once. Included with the letter was a copy of my DL, identity theft.org report along with rules that they must follow. 7 days later, XXXX quickly removed the accounts. Experian alerted me that they received notice for fraud and placed an extended alert on file with an incorrect evening contact number. XXXX decided to trigger a regular investigation. Due to the laws in place, Experian and XXXX are to remove the items identified as fraud. This has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- Last year I was struggling financially. In XX/XX/2018 I applied for a mortgage modification. In XX/XX/2018 I received a letter from an attorney stating that my home was in foreclosure process. NOT THAT IT WAS IN FORECLOSURE but that the process had started and that was my notification of what was happening. I was very confused because the mortgage modification was supposed to help me. 

I wrote the attorney and asked for an explanation and disputed the debt because of the modification. They responded and said that the file was " on hold '' due to the modification process. 

Fast forward a few months and I made my trial payments on time. I get approved for the final modification but the attorney is saying the Mortgage company told them to keep the file open. The file is not closed but rather open and I am being reported as foreclosure to the credit bureaus. ( See Attachment from XXXX ) XXXX is reporting me as having a foreclosure. 

The FACT is that I NEVER went to the FORECLOSURE process. I tried to fix my situation before it got to that point. I am not disputing I had trouble paying my mortagage but I tried to remedy the situation and I am being penalized. 

I was told by a XXXX representative XXXX XXXX that once the modification went through the loan would be reporting as current and that it would never say foreclosure. I was also told that it might even erase some of the late payments dating back to when I started making the trial payments. I never was scheduled for a sheriff 's sale or even given a date. 

Attachements are letter from attorney and chase letter declining me from a business credit card. 

As an XXXX who is a XXXX I want to be given a fair shot and I think that this is a violation of the Fair Credit Reporting Act.
Product: Mortgage

Gentleman, This is a follow up on several complaints I have concerning XXXX XXXX. On two occasions XXXX XXXX responded that it was not the appropriate company at issue. On its third response it finally acknowledged the case is in litigation as I claimed. XXXX XXXX is Wrongfully pursuing foreclosure action against me and has been doing so since XXXX. I have provided corroboration documents of the truth of the matters asserted. XXXX XXXX refuses to respond to my concerns regarding its Wrongful foreclosure action against me. In XXXX XXXX 's latest response, it purports that it is unable to respond to me directly and has requested I contact the third-party servicer, PHH Mortgage who has nothing to do with this " loan account ''. As evidenced in the attached XXXX XXXX Ruling XX/XX/XXXX, XXXX XXXX is the appropriate company that needs to address this issue. I am attaching XXXX XXXX 's response to my complaint. I am attaching the Pooling and Servicing Agreement again which clearly states on page XXXX of the Prospectus " THE TRUSTEE XXXX NOT ENFORCE THE MORTGAGE NOTE AGAINST THE RELATED BORROWER ''. I am attaching the APPELATE COURT RULING dated XX/XX/XXXX which clearly states " XXXX XXXX HAS FAILED TO SUBMIT EVIDENCE PROVING IT IS A PARTY TO ENFORCE THE PROMMISSORY NOTE AT ISSUE ''. XXXX XXXX XXXX TRANSFERRED THE " NOTE AND MORTGAGE '' TO XXXX BANK EVEN THOUGH THE APPELLATE COURT RULED IT IS NOT A PARTY TO ENFORCE THE PROMISSORY NOTE AT ISSUE. XXXX XXXX HAD NO AUTHORITY OR RIGHTS TO TRANFER OWNERSHIP OF THE " NOTE AND MORTGAGE " AT ISSUE. THIS IS FRAUD AN ILLEGALITY. PHH Mortgage refuses to address the issues at hand as well. PHH Mortgage is now passing this complaint off to another third party servicer who has nothing to do with the " loan account ''. PHH Mortgage has provided a payment history but not the loan account. PHH MORTGAGE has provided two FALSE, FORGED, FRAUDULENT AND FABRICATED AFFIDAVITS OF AMOUNTS OWED. I am asking PHH Mortgage to respond accordingly to the issues I have addressed and am attaching the corroboration documents again for them to respond accordingly. THIS COMPLAINT IS FOR PHH MORTGAGE. XXXX MORTGAGE HAS NOTHING TO DO WITH THIS COMPLAINT AND I AM ASKING PHH MORTGAGE TO NOT HAVE XXXX XXXX RESPOND TO THIS COMPLAINT WITH THE SAME INVALID DOCUMENTATION WHICH HAS NOTHING TO DO WITH THE ISSUES AT HAND. 

KINDEST REGARDS,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several certified mail in XXXX of 2017, Ive filed several complaints within the 6 months for this particular account. I havent gotten no response. Im fed up, Ive asked to prove how both TransUnion and XXXX XXXX XXXX were able to verify this account XXXX accurately before placing it on my credit file as an error. By law you cant verify an account without original documents. FCRA Section 609. I repeated that Im not aware of the account several times and Ive been ignored so whats left is to take legal actions against TransUnion XXXX XXXX XXXX XXXX. You will be contacted by my lawyer and the attorney generals office about this account. It has caused great pain and suffering to my life. I will make sure this matter is resolved within the next month.
Product: Mortgage

XXXX XXXX XXXX our escrow account by making two XXXX real property tax payments to XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX  between XX/XX/2022 and XX/XX/2022. We have contacted the title company that paid the remaining property taxes in XX/XX/2022 when we closed on the property, and have contacted XXXX XXXX XXXX XXXX via phone email and XXXX mail XXXX communicate these errors, and they have still not corrected the payment errors. We have been dealing with this since XX/XX/2022. We sent a notice of error on XX/XX/XXXX via email and XXXX certified mail to both XXXX and Homepoint Financial mailing addresses. Homepoint Financial acknowledged the email Notice of Error on XX/XX/2022. The amounts in dispute are {$690.00} and $ XXXX payment errors have shorted our escrow and Homepoint has assessed an additional approx {$400.00} a month in mortgage payments because of THEIR PAYMENT ERRORS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I pulled my free annual credit report, after going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX XXXX opened XX/XX/XXXX with charges of {$16000.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}, XXXX XXXX opened XX/XX/XXXX with the charges of {$1500.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$4000.00}, XXXX opened XX/XX/XXXX with charges of {$6000.00}. I have filed a complaint with the FTC please see attached complaint report.
Product: Mortgage

XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX - XXXX To : CFPB On XXXX/XXXX/XXXX my father XXXX due to a XXXX and my mother was the executive of his state. A few months later I was place on the loan for the mortgage and the deed was registered under my name and my mother 's name and also the house with was already XXXX dollars in late fees. I reach out to XXXX to start the loan modification because of financial hardship. A few months later XXXX sold the loan to XXXX ( XXXX ) XXXX ACCT # XXXX. XXXX sent me a packet witch, include a hardship form to fill out and send back to them. I sent all my financial information including my mom 's financial information we had to fill a XXXX form at least 3 to 5 times, I send them the copy of the deed and a copy of the lease agreement twice. Every other month I fax them my paystubs my bank statements Witch seem to lose or misplace every time. They never contacted me I 'm the one always calling everyday trying to get an update and every time I call my loan is always in review and an a few days later they say that my loan was denied because I did n't send them the paper work in a timely manner. They always request the same information throughout the loan modification process. Even if I had already sent them all the paper work they require. I reach out the XXXX on an everyday basis to find out if am missing any paper work do they need any paper work they say no and a day later they say your application is denied because you did n't send the proper paper work, than I have to start the process all over again. Threw the months I reach out to XXXX they say my account is in review and they ask to send paystubs and bank statements witch I always oblige and send the next day. The final straw came On XXXX/XXXX/XXXX I reach out to XXXX to check the status of my loan they say it 's still in review and they inform me on XXXX/XXXX/XXXX my loan will be service by Shell Point XXXX. When I reach out to Shell Point on XXXX XXXX they told me that it will take 15 days for my paper work to be transfer from XXXX. When I call Shell Point a few days later they told me that this investor does not do Loan Modifications and I would have to make the past due balance, Pay the loan completely or do a short sale and if not my house will be in foreclosure. One thing I do n't understand is that I told XXXX from XXXX ( Ext. XXXX ) that I was getting statements, he told me not to worry about it because the account is on hold. If the account was on hold why is Shell Point Financial inform me that the account is delinquent and I have to pay XXXX dollars to restore the loan. My soul purpose for going through this hard ache is to stay in my home because this home is the only thing I have to remind me of my father and he work too hard to purchase this home and for it to be lost. At this time I 'm trying to see if I can refinance my house with another company or to see if I can pay the late charges with a loan.
Product: Credit reporting

I still have a collection account from  XXXX   XXXX   XXXX  that should have been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has repeatedly denied attempts to open a dispute against XXXX XXXX XXXX inaccurate reporting on my credit report. XXXX XXXX XXXX violated FDCPA and Texas Statute SB 1264. 1. After multiple request going back to XXXX, XXXX XXXX has refused to verify the debt. 2. XXXX XXXX did not advise me of my right to dispute the validity of the debt. 3. XXXX  and XXXX  already found the reporting to be erroneous and from eight years ago.4.  This reporting is in violation of XXXX XXXX XXXX Texas, XXXX XXXX XXXX who XXXX XXXX XXXX is collecting on behalf of received payment from XXXX Texas in XXXX of XXXX - XXXX of XXXX. They received payment from XXXX of XXXX through Present XXXX for services rendered. Any other amounts were not disclosed to me. These are surprise bills. 5. I have NO Contract with XXXX XXXX XXXX. They are falsely reporting these 14 accounts as DEFAULTED Loans. These are fraudulent, falsified records. These are not Loans. Again XXXX XXXX XXXX received Payment in full. The record are listed below. 1. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$880.00} 2. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$630.00} 3. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$940.00} 4. XXXX   XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$990.00} 5. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$710.00} 6. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$340.00} 7. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$950.00} 8. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$930.00} 9. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$370.00} 10. XXXX   XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00} 11. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} 12. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} 13. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$730.00} 14. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00}