23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

i have submitted my loan modification request with my penny mac loan servicing and there processing it, i was informed by penny mac that it looks like there is a possibility that i could be approved for some type of loan modification, but i need to give them or pay them XXXX % of back payments that were due in order to get a loan modification, not sure if this correct or not but i did n't think i would have to pay to get a loan modification, from the bank that has already received federal funding, i have the means to pay a modified payment but not large amount of savings to pay for a modification in order to stay in home
Product: Credit card

I am writing to formally lodge a complaint against Bank of America regarding their refusal to provide me with historical statements of my credit card account dating back to the initiation of the account. 
On XX/XX/year>, I contacted Bank of America via telephone to request statement history for my credit card account. I explained that I required these statements for legal and court purposes. However, I was informed by the banks representative that Bank of America could not provide statements dating back that far. They stated that they could only provide account statements going back a maximum of seven years.

During the conversation, the Bank of America representative further explained that Bank of America is not required to keep documents older than seven years and that account-related documents older than seven years are destroyed. The representative I spoke with was XXXX XXXX, who identified herself as a Bank of America manager stationed in XXXX XXXX, California. 
I then asked Bank of America if they would provide me with a written statement confirming that they were unable to provide me with statements as far back as I requested and that, based on their limitations, they could only provide documents going back XXXX years. When I made this request, the Bank of America manager XXXX XXXX, she refused to provide such a written statement and told me that Bank of America could not do that. 
This response is unacceptable and has caused me significant inconvenience, as the requested documents are necessary for legal proceedings. I believe that as the account holder, I have the right to access all historical account information associated with my account, regardless of the duration of time that has passed. 
I would like to point out that financial institutions have a duty to retain account information for a reasonable period of time, particularly when the account holder explicitly requests the records for legal purposes. The refusal by Bank of America to provide these statements has not only impeded my ability to comply with legal requirements but also raised concerns about their adherence to consumer rights and record retention obligations. 
I respectfully request that the CFPB investigate this matter and ensure that Bank of America fulfills their obligation to provide me with the requested historical account statements. I would also appreciate guidance from the CFPB on any recourse available to me in this situation. 
Thank you for your attention to this matter. I look forward to your response and any updates regarding the resolution of my complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following collection account that appears on my Transunionn credit report : Creditor : XXXX XXXX Account Number : XXXX Amount : {$1100.00} Basis of My Dispute : Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), I am requesting that Transunion investigate this account for accuracy, completeness, and verifiability. If this account can not be fully verified with documented evidence from the original creditor, it must be deleted from my credit report immediately. 

Additionally, I am invoking my consumer rights under FCRA 15 U.S. Code 1681b and 15 U.S. Code 1681s-2 ( b ), which require : Proper Investigation : The credit bureau must conduct a reasonable investigation and provide evidence that the debt is accurate, complete, and lawfully reported. 

Verification of the Debt : The furnisher ( XXXX XXXX ) must provide original documentation proving that this account belongs to me and is legally valid. 
Removal of Unverified Information : If Transunion can not verify the accuracy of this account within XXXX  days, it must be permanently removed from my credit file as required under FCRA law. 

My Legal Rights Under the FCRA & FDCPA : 15 U.S. Code 1681e ( b ) Credit bureaus must maintain maximum possible accuracy in reporting consumer data. If any inaccuracies exist, the account must be removed. 
15 U.S. Code 1681i If an account is disputed, the bureau must investigate and either verify it or delete it. 

15 U.S. Code 1681s-2 ( b ) The furnisher ( XXXX XXXX ) must provide full validation or request Transunion to remove the account. 
15 U.S. Code 1692g A debt collector must provide proper validation, including a signed contract, itemized statements, and proof of ownership. 

Demand for Deletion : If XXXX XXXX fails to provide verifiable proof that this debt is mineincluding a wet-ink signature contract, itemized billing statements, and a breakdown of all chargesI demand that this account be deleted from my Transunion credit report immediately under the FCRA and FDCPA regulations. 


Please conduct a full investigation and provide documentation verifying this account within XXXX  days. 
If you can not verify the debt, remove this account immediately. 
Provide me with a written confirmation of the deletion upon completion of your investigation. 


Failure to comply with the FCRA and FDCPA will result in formal legal action and complaints being filed with the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
This letter serves as formal notice of my dispute. I expect your prompt compliance with federal law.
Product: Mortgage

In XXXX of XXXX, we closed on a construction loan with XXXX XXXX  in FL. Since then, Seacoast bank in FL has bought out XXXX XXXX. Our home was finished and we moved in XX/XX/XXXX. Seacoast bank has yet, after multiple emails and attempts, moved our construction loan into a permanent residential mortgage. Because of this, our payment continues to go up due to loan maturity and penalties that are not our fault. 3 months have passed and Seacoast bank still does nothing.
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX 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 has violated my rights. Or a list of inquiries : 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.
Product: Student loan

I am writing regarding American Education Services. I have had a student loan out since 2004 for {$23000.00} and now 12 years later is only down to {$22000.00}. The interest rate is 3.75 %. I have XXXX the company to see if other people have had problems and there are XXXX of complaints about how people have been paying more than the minimum and the balance is not going down. I feel, after so long that this company is getting away with taking people 's money and would like it if you can do some more behind the scenes investigating. I believe this company owes us thousands of dollars that we have spent for something that should have been paid off years ago. 
Any help with this or advice on what to do would be greatly appreciated. 
Kind Regards, XXXX
Product: Mortgage

The lender sent two payments for property taxes one payment in XX/XX/XXXX and another XX/XX/XXXX due to an error by the county, The county reimbursed about 87 % of the money on XX/XX/XXXX. In the interim, mortgage company did an escrow analysis prior to receiving refund. My mortgage jump to an extra {$1400.00} a month. I have a fixed rate mortgage. I called the company around XX/XX/XXXX to asked them to redo the escrow analysis. The agent said he would put in the request and it should be done by XX/XX/XXXX. I checked on XX/XX/XXXX and it still had not changed. I called again the agent said the request was started but had not been submitted. She said it should be done by XX/XX/XXXX. I checked everyday since XX/XX/XXXX and there has been no change. I called the company again on XX/XX/XXXX and spoke with two agents and they see the refund made by the county but the second agent was confrontational after I became confrontational with her. I asked to speak with someone above her and she said no one was available and that someone would contact me within 24 hours. I have not heard from anyone yet. By the grace of God, we were able to pay the mortgage by XX/XX/XXXX but I checked this morning and it still has not gone down. I have a 3.25 % interest rate on a $ XXXX mortgage. My initial mortgage until XX/XX/XXXX was {$2000.00}. Now it is showing as {$3400.00}. My property tax bill was {$5900.00}. The loan originated XX/XX/XXXX. They are not being reasonable and I'm at my wits end. I've never been late on my first home of 13 years. This is my second home, to deal with this is not acceptable. I need help. Thank you.
Product: Credit card or prepaid card

Been a loyal customer with Chase for several years and have always paid bill on time. Recently, the service has been terrible. Filed a Dispute back in XXXX for a charge that was not authorized on my card. Moreover the charge was put through from a card that I reported to Chase lost/stolen many months prior. It is now over XXXX days and there has been no progress. I receive endless text messages and emails from them asking me to contact them. I have complied and responded promptly but they keep asking the same information. To date, I have invested over XXXX hours on this dispute just on phone time with Chase. I have spoken to over 14 people and each give me a " different update each time. Their internal processes have got in the way of providing me with quality service and also protecting me. I have been bounced back and forth from the dispute division to the fraud division and most recently recoveries. I had to argue for a temporary credit simply because they could not make a decision as to where the issue should be investigated. I have provided more than adequate documentation to them including a chronology and text message screen shots with the merchant confirming the charge was erroneous. 

In short, Chase has failed to represent and protect me. They have delayed the investigation and I have become caught up in internal processes. 

I have also invested close to XXXX hours investigating this taking time from my day and job to bring this issue to closure with the merchant to no avail. 

I would like this to be objectively reviewed at a higher level and someone to contact me.
Product: Checking or savings account

I recently opened a checking, savings, and money market account with NAVY FEDERAL CREDIT UNION. Everything was good until my first Direct Deposit posted to my account, that's when everything begin to go downhill. Account access begin to limit and then eventually no access pending Identity Verification. So I submitted the required documentation being put through a 3-5 business day  Verification. On the XXXX I called to see if the issue had been resolved to get no help and be told that I would have no access by phone to my account. This is the second time this has happened to me this year, you need to update my information and keep it updated. Please deliver an urgent response to this matter.
Product: Mortgage

Dear Consumer Financial Protection Bureau, This is about Case # XXXX I can not sign into my ( cfpb ) account to see what the status is with my BOA complaint. 
So I am sending this via new complaint site. 
I had sent ( w/o a return receipt ) a Signature Affidavit back to BOA in XXXX XXXX that hey asked me to fill out and get notarized. I then in XXXX XXXX received a letter from BOA stating that my case was closed because they did not receive the signature Affidavit back from me! 
Yet I never to this day received any returned mail. 
I then sent all of the Signature Affidavit ( with a return receipt ) and with their letter to open the case back up to the mailing address they stated again. 
I am in possession of the return receipt that was signed by BOA on XXXX XXXX, XXXX. 
I also have a copy of all documents that I did sent in XXXX XXXX. 
So far ( XX/XX/XXXX ) I have not heard from BOA by phone or mail regarding this case. 
There was a phone call on my answering machine that I could not deceiver what it was saying because the foreign person had an extremely strong accent .... 
I am still very upset over this run -around they are giving me now by ignoring me and refusing to correct this matter.
Product: Consumer Loan

Q Credit has already took {$880.00} from my bank account for a {$1600.00} loan that lead me to investigate the company. This company claims that I still owe a balance of {$1600.00}. The company a tribal lender of the XXXX XXXX XXXX of XXXX operating within the boundaries of the XXXX XXXX XXXX of South Dakota, which when I contacted the Attorney Generals office I was informed that they do not even have a license to operate in the state of California. I have sent a letter to them via email to stop taking money out of my bank account. I refuse to pay anymore for a loan with not normal fees that are high and now has cost me and my family to be evicted due to having them remove money every time I get paid from my account. This company is robbing people blind that they claim to assist with loans. We are now living in a motel with my XXXX children due to the practices of this company. This is extremely upsetting and this company needs to be stopped.
Product: Debt collection

I have received the fraudulent, unsigned debt collection letter dated XXXX, XXXX XXXX and XX/XX/XXXX from RESURGENT CAPITAL SERVICES L.P ( reference ID : XXXX ). for LVNV Funding LLC to collect illegal debt from XXXX XXXX from XX/XX/XXXX for the amount of {$1700.00} RESURGENT CAPITAL SERVICES XXXX acquired the account from XXXX XXXX XXXX XXXX ( complaint filed against XXXX XXXX XXXX with CFPB on XX/XX/XXXX, Complaint ID XXXX filed to the CFPB and the case was closed ). RESURGENT CAPITAL SERVICES XXXX and XXXX XXXX XXXX XXXX, both belongs to LVNV Funding LLC are third party debt XXXX, third party interlopers. RESURGENT CAPITAL SERVICES XXXX, XXXX XXXX XXXX XXXX and LVNV Funding LLC are in violation of : 1. The Fair Deb Collection Practices Act, 15 U.S.C. ( Violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 802 ( a ), 803 ( 3 ), ( 4 ), ( 5 ), ( 6 ), & ( F ) et seq., 809 ( b ) ) Violation of the 18 U.S.C. 1341 Racketeer Influenced and Corrupt Organization Act ( RICO ), and 18 U.S.C. 242. 
18 U.S.C. 242 makes it a crime for a person acting under XXXX of any law to willfully deprive a person of a right or privilege protected by the XXXX or laws of the United States of America. To wit : A national Bank can not lend its credit to another by becoming surety, endorser, or guarantor for him, such an act being ultra vires XXXX XXXX  v. XXXX XXXX XXXX. 
2. The federal laws of mail fraud prohibited by 18 U.S.C. 1341 XXXX XXXX and XXXX Organizations XXXX ( XXXX ). 
The offense is punishable by a range of fines up to {$250000.00}, imprisonment up to a life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any. 
3. XXXX XXXX of fraud. 
4. Pattern of Criminal Activity ( complaint filed against with CFPB on XX/XX/XXXX, Complaint ID XXXX, and now RESURGENT CAPITAL SERVICES XXXX XXXX XXXX from XXXX XXXX XXXX XXXX even that the case was closed ). 

I formally request CFPB order the RESURGENT CAPITAL SERVICES XXXX and XXXX XXXX XXXX XXXX, and LVNV Funding LLC, the third party debt collectors : 1. To cease and desist all communications with me regards to this debt, or any other debts that these two entities allege I owe. 
2. Not transfer to anyone else.

3. No charge off.

4. Any negative remarks made to a credit reference agency should be removed. 
5. RESURGENT CAPITAL SERVICES XXXX, and XXXX XXXX XXXX XXXX, and LVNV Funding LLC, and non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and you implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you CFPB for your help.
Product: Credit card or prepaid card

I placed a complaint recently ID # XXXX, I would like to retract. on further investigation it was a credit card take over fraud, their only fault was nor training their customer service to recognize potential fraud. the dispute was resolved.
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 XXXX5 USC 1681. 

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 and list of Inquiries. 

1

5 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a victim of identity theft and there is currently a {$3600.00} charged off XXXX XXXX XXXX account ( XXXX ) being reported to my credit report that I did not create. In my most recent dispute, I requested the credit bureau to block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have repeatedly sent the credit bureau a copy of an identity theft police report I filed with my local XXXX XXXX Police Department 's office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. XXXX XXXX XXXX itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because the credit bureau is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure the credit bureau is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am once again attaching a copy of the identity theft report in this email which I know the credit bureau already has.
Product: Credit reporting or other personal consumer reports

Dear Equifax XXXX XXXX I am writing to formally dispute an entry on my credit report regarding a collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account does not belong to me, and I am requesting that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report, and you are required to investigate and remove any information that can not be verified as accurate. I have never had any business dealings, nor have I signed any contract or agreement with XXXX XXXX XXXX. Therefore, I am not legally obligated to pay this alleged debt. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, prohibits collection agencies from attempting to collect debts that are not valid or that do not belong to the consumer. Specifically, the FDCPA prohibits any form of false representation of the character, amount, or legal status of the debt. Since I have no contract or agreement with XXXX XXXX XXXX, any attempt to collect this debt is in violation of the FDCPA. 

Please conduct a thorough investigation of this matter. If XXXX XXXX XXXX can not provide evidence that this debt is legitimate and that I am indeed responsible for it, you are required to delete this account from my credit report pursuant to the FCRA. 

I request that you provide me with written confirmation once the investigation has been completed and the inaccurate information has been removed. 

Thank you for your prompt attention to this matter. I expect this issue to be resolved as soon as possible, as it is damaging to my creditworthiness and does not reflect my actual financial history. 

This letter asserts your rights under the FCRA and FDCPA, two key laws related to credit disputes. If Equifax can not verify the accuracy of the debt, they must remove it from your report.