23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America Mortgage Account # XXXX failed to report to the credit bureaus ( XXXX, XXXX and XXXX ) that they foreclosured on my mortgage in XXXX They also reported incorrect past due {$58000.00} as the past is only based on the Notice of Intent to accelerate the Mortgage. The past due from acceleration is {$2900.00} not {$58000.00}. See their Notice of Acceleration letter. XXXX the account was accelerated the principal balance is also due. It is illegal to report monthly past due after foreclosure in XXXX XXXX, XXXX. 
They also reported incorrect information to ( XXXX, XXXX and XXXX ) as they stated the account was 180 days past due. The account history of past due was the Mortgage Foreclosure amount {$2900.00}. 
The also reported to ( XXXX, XXXX and XXXX ) the account is still past due in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. This in correct as once the Foreclosure filing was filed in the court. The monthly past due history is not applicable.
Product: Vehicle loan or lease

Wells Fargo Dealer Services {$13000.00} - account balance has been satisfied per letter received from creditor. Account is still being reported by XXXX, and XXXX as a debt owed/charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019 I visited XXXX in XXXX, Texas to establish an account. I was denied, per personal banker due to a hardstop from XXXX. I was informed that a fraud alert was placed on my record. I was a victim of identity theft and had notified the Federal Trade Commission  and all credit reporting agencies. On the same day, I contacted XXXX and was informed that due to technical issues the company was closed. I tried several days and could not reach XXXX. Finally, I was able to speak to a agent at XXXX. I explained to the agent that I was a victim of identity fraud and wanted to lift the security freeze to establish an account at a credit union. I stated that I have all documentation for filing a police report, the complaint form from the Federal Trade Commision. I, also, mentioned that I had left my name, address and phone number on XXXX voicemail to receive the form to lift the security freeze. Per message, I would receive the form in 5-10 business days. As of today, XX/XX/XXXX, I have not receive the form from XXXX.
Product: Debt collection

I have a hospital bill that shows no insurance coverage however, I was insured. They billed the medical expenses to my former address instead of my current. I did not realize this was a bill in collections until this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please verify this debt as I am unfamiliar.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX and 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. 

ACCOUNTS XXXX. XXXX XXXX XXXX Account # XXXX Balance {$430.00} Date XX/XX/XXXX XXXX. XXXX XXXX Account # XXXX Balance {$220.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$810.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Accounts # XXXX XXXX {$0.00} Date XX/XX/XXXX XXXX. XXXXDept of Ed Account # XXXX Balance {$8900.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$760.00} Date XX/XX/XXXX
Product: Debt collection

My PayPal XXXX XXXX was stolen as I was walking into the store and the person stole it from me while I was not looking. I thought at first I just misplaced it at first but then I saw he sent me XXXX as a personal/gift payment which I know does not have protection for the buyer or seller. He then proceeds to immediately spend the money at a fast rate all at different XXXX stores. He first spends XXXX, XXXX twice, XXXX and lastly XXXX XXXX, as you can all on XXXX XXXX, XXXX. As you can see from my history I do not spend this have this kind of money and would never spend that large of money with my PayPal XXXX. What I am guessing is this person did a money order from XXXX and bought them quickly so he can take advantage. After this, this caused my account to go to into limitation and PayPal XXXX told me they notice some unauthorized activity and it froze my account. PayPal can even check the ip address to show some XXXX other went inside of my account to send me the money and send the money to somewhere else. Then on XXXX XXXX he did a charge back which caused my account to go in the negatives of - XXXX. I then proceed to dispute it with PayPal, but they did not help me because he sent the money as a " gift '' instead of sell and services. So I was out of luck and now PayPal is coming after me when I can not pay for this and this is not my debt. Tried everything with PayPal, I kept calling them and they will not do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a complaint with the CFPB ( case # XXXX ). In this complaint I noted that an account being reported was incorrect and it needed to be investigated and deleted due to incorrect information being reported. On XX/XX/2022, Equifax responded to my complaint stating that I would receive information from the furnisher regarding this account. To date, I have not received any information or communication regarding the status of this account or any information proving that this account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, XXXX Account # 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 a account without my written instructions
Product: Debt collection

524 Injunction : XXXX  XXXX XXXX per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. XXXX kept sending me statements with the original loan amount and payment. I making the required payment the month after the agreement only to have XXXX escrow the payment and not apply them. In XXXX XXXX acquired the mortgage servicing rights with the incorrect balance and monthly payment and now a forced placed insurance policy added to the loan. XXXX XXXX  started sending out notices with the original note information then corrected the loan in XXXX of XXXX but still listed the cram down debt on the statements as defferred P & I this was a violation of my plan and a 524 Injunction. 
XXXX XXXX filed a foreclosure motion in XXXX but before I could file a counter claim XXXX XXXX sold the mortgage to XXXX and Shellpoint became the new loan service company. Shellpoint assumed the foreclosure in court where the case was not heard only rubber stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now shell point has stated that I had made 4 payments and that BAC had not been compliant. Shell point has now listed the reaffirmation crammed down debt in the amount of {$19000.00} as BK Cost on payoff statements this is the exact amount of the XXXX XXXX Defferred P & I listed on there statements. This is attempt to collect discharged debt and code it as something else in court is a 524 Injunction of the debtors Bankruptcy plan.
Product: Debt collection

more information complaint XXXX CEASE ALL CONTACT AN COLLECTION I REFUSE THIS ALLEGED DEBT 15USC1692c ( c ). 

I the consumer notice that you said that you were getting validation from your client. wait wait wait to first state that proves i owe you nothing you're reporting on my consumer report. I HAVE NO CONTRACT WITH YOU. I DEMAND YOU CEASE CONTACT THROUGH ALL MEDIUMS INCLUDING MY CONSUMER REPORT. I REFUSE THIS ALLEGED DEBT COMING FROM A XXXX PARTY DEBT COLLECTOR. PURSAUNT TO CASE LAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX CASE XXXX DOCUMENT XXXX PAGE XXXX OF XXXX. WHEN YOU PURCHASED ALLEGED DEBTS, YOU'RE PURCHASING A THOERITICAL CLAIM OF OWNERSHIP. THERE ARE NO NOTES ASSIGNED NO CONTRACTS ARE TRANSFERRED. SO BASICALLY, ALL YOU HAVE IS AND ELECTRONIC LIST OF COSUMERS AN THIER LAST KNOWN ADDRESS WITH AMOUNT THE CREDITOR CLAIMED TO BE OWED. OFTEN THE INTREST RATE IS NOT INCLUDED DATES OF BIRTH OR SOCIAL SECURITY NUMBERS ARE NOT INCLUDED, AND ADDRESSES HAVE NOT BEEN UPDATED ALSO, PURSAUNT TO THIS CASE THE COURTS FOUND THAT DEBT COLLECTORS DO NOT ACTUALLY PURCHASE AND RECEIVE CREDIT CONTRACTS, THEIR SPECFIC TERMS, PAYMENTS HISTORIES, SALES OR BILLING DOCUMENTS AND OTHER DOCUMENTS NECESSARY TO PROPERLY PROSECUTE AND COLLECT A DEBT OR EVEN TO KNOW WITH ANY REASONABLE DEGREE OF CONFIDENCE THAT A SPECIFIC DEBTOR OPENED, USED AND THEN FAILED TO PAY A DEBT IN A SPECIFIC AMOUNT. 

SO WITH THAT BEING SAID YOUR A USING HARASSMENT AND OR ABUSE PURSUANT TO 15USC1692d ( 2 ) this profane lang to me for you to say i owe you an alleged debt an then you come back and say you will get an alleged validation from you client well if you have no actually validation contract etc why are you reporting negative computerized unverified account on my consumer report?????? you have no contract when you are assigned or purchased alleged debts your purchasing nothing.. 

I ALSO ASKED YOU TO CEASE CONTACT WITH ME THROUGH ALL MEDIUMS INCLUEDING MY CONSUMER REPORT. PURSAUNT TO 15USC1692c ( c ). 

YOUR A BIG FRAUD YOU ARE ATTEMPTING TO SWINDLE I THE CONSUMER PUSUANT TO 18USC1341. I HAVE NO BUSINESS WITH YOU NO CONTRACT WITH YOU XXXX YOU DONT EVEN HAVE A CONTRACT OR ANYTHING FACTUAL YOU ONLY HAVE COMPUTER GENERATED INFORMATION BUT STILL TRYING TO COLLECT MONEY FROM I THE CONSUMER. 

YOU AN YOUR CLIENT IS COMMITTING RACKETEERING PURSUANT TO 18USC1961 ( 1 ) YOU BOTH ARE USING FAKE CONTRACTS AND UNVERIFABLE INFORMATION TO COLLECT MONEY. 

I REFUSE THIS ALLEGED DEBT ONCE AGAIN I DEMAND YOU CEASE CONTACT THROUGH ALL MEDIUMS INCLUDING MY CONSUMER REPORT. I DO NOT WANT AN FAKE VERIFICATION THATS IS DONE ONLY BY COMPUTER INFORMATION THAT IS NOT VAILD. 15USC1692c ( c ). 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been being billed for services they are offering for free. And they are showing me all three credit bureau 's reports, but the information they are showing is incorrect. I also have an account with XXXX XXXX, they are reporting the account is closed on all three reports. This account is open and is current. I checked with them to see if it was a problem on their end. They said that they have been reporting to all 3 for the last 4 months and that my account is being reported open and current. There are also student loan accounts that are reported duplicate and are showing they are negative. There should only be 4 student loan accounts that should show closed/and paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account which seriously affected my credit report and I have not received responses from the bureaus.
Product: Debt collection

I recently had a collection notice from Portfolio Recovery Associates LLC.

The date of the notice is XX/XX/2021. The amount is XXXX. 

This case and claim was dismissed years ago in XXXX county court. 

I have the records. 

The repeated false notices have caused distress within my household. 

I would like to seek damages against Portfolio for repeated false claims. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled in XXXX. The insurance company contacted XXXX XXXX XXXX to get payoff so they could send the payment for the balance of the car. XXXX  XXXX  sent payment to XXXX XXXX. The car was paid off but XXXX XXXX continues to report negative information on my credit report. I have called them to ask them to update the report and they told me they don't handle the credit reporting. As of today 's date the information is still inaccurate and the balance is inaccurate. I had Gap insurance to cover the balance but they will not update it.
Product: Debt collection

First found sequium asset solutions on my credit report XX/XX/2019. The reference stated this was for XXXX XXXX with an address in XXXX XXXX. I have not lived in XXXX XXXX for 15 years. I called sequium and stated my name and asked why this was on my credit report. They had no record of my name or a debt and that I needed to call XXXX. Contacted XXXX and they can give me no information having given them my name. Seems like I was sent on a wild goose chase. Sent a validation letter to sequium over a month ago and have not received a response
Product: Debt collection

Receivable Management Services has been repeatedly calling from different numbers from across the country, sometimes several times a day. This has been going on for months. I 'm currently looking for a job and need to answer phone calls in case they are businesses interesting in employing me. I 'm spending far too much time talking to these people about collecting an inordinate amount of medical debt on a daily basis. This is greatly impeding my ability to procure work and is negatively impacting my mental and emotional well-being.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account Name : DIVERSIFIED ADJUSTMENT Account XXXX Account Name : 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 Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1XXXX XXXXXXXX XXXX 2XXXXXXXX XXXX XXXX XXXX 3.XXXX XXXX  XXXX 4.US DEPT OF ED/XXXX XXXXXXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Debt collection

My name is XXXX XXXX XXXX, a customer of Transworld System. I have an unsolved issue with your company and its business practices. On XX/XX/2024, I wrote Trans World to notify them that I had overpaid my account. I included a copy of XXXX XXXX  XXXX bank statement identifying the over payment. I have not received any communication from Trans World System ; therefore, I called, and the representative continued to insist that I owed {$5000.00} and then I owed {$4000.00}. I assured them they were incorrect. In fact, I was due an overpayment refund. The manager, the representative and I was on the phone for over an hour going back and forth. The bill originated from XXXX XXXX XXXX ; therefore, I went to the XXXX branch office and asked them concerning the origination of the bill. XXXX stated the account was not paid out but had an outstanding balance of {$100.00}. 

XXXX indicated the original balance was in truth {$980.00}. Then I paid {$200.00} to XXXX that made the balance delivered to TransWorld {$780.00}. Notice Exhibit A and B there a total of 21 payments made to Trans World. The reason ( 1st I went through a divorce 2nd my beloved son was killed ). I had forgotten about the Transworld account ; therefore, my bank ( XXXX XXXX  XXXX ) continued to be mailed in the payments of {$100.00} each month until I noticed in XX/XX/2024. I had paid Transworld 21 payments of {$100.00} totaling {$2100.00}. The original balance from XXXX XXXX transferred to Trans World System was {$780.00} ( notice Exhibit C ). Trans World System uses deceptive acts to avoid reimbursing my funds. I paid Transworld System {$2100.00}. 

Deduct the transferred balance ( {$780.00} ) from the total amount paid ( {$2100.00} ) equal an overpayment of {$1300.00}. 

I have waited over two months for my refund, but the Trans World representatives and manager continue to hassle, pester, oppress, and harass me that I did not pay them. 
Please observe the facts and reimburse me my {$1300.00}. I have taken the proper actions to notify the XXXX  and FDCPA. 
I look to hear from you within 10 days of this communication.
Product: Debt collection

The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation. Portfolio responded back by simply stating that the account is valid and failed to provide me any sort of validation for the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
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. 

XXXX XXXX XXXX-Account Number : XXXX Original creditor : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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 reasonable cause to believe that the information is inaccurate. 
Remove Account form my credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information on my credit report
Product: Credit card or prepaid card

Here I am back again regarding my account from Synchrony Bank. Again as the previous complaints my account was closed due to returned ACH payment. I again had to get another letter from XXXX XXXX   because the return again was not an error that I did it again was on the banks side. I am no longer a customer with XXXX XXXX because they have caused so much havoc in my life. But, I again forwarded this letter to Synchrony and they have done nothing with the letter except for telling me that the account was closed because the account was over the limit and the NSF payment. My account would not have been over the limit if the bank would not have returned the payment. I have paid the {$130.00} so the account is not over the limit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Account ending in XXXXXXXX XXXX Reference Number : XXXXXXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am hereby opting out of any and all authorization, whether written, unwritten, verbal, or nonverbal, as per 15 USC 6802. Attached is the card agreement as reference, indicating my revocation of authorization to share my personally identifiable information with any non-affiliated third parties, including consumer reporting agencies.
Product: Checking or savings account

I am writing to File a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having Significant Funds when transactions were authorized, I was charged fees due to lagged posting of charges or credit. This issue aligns with the Recent CFPB findings against the Navy Federal Credit Union for similar practices where transactions settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I received a targeted offer from Bank of America within their online banking site in the " special offers & deals '' section for opening up an Advantage Plus checking account and received {$300.00} for " Set up and receive qualifying direct deposits totaling {$4000.00} or more within the first 90 days of opening your new checking account ''. I completed the requirements and the term says the bonus would be paid out within 60 days. It's been past the 60 day period and it has yet to be paid out. Multiple contacts to Bank of America, the reps simply stated it would post but never did.