23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX received a False and deceptive communication from Balanced HealthCare Receivables dated XX/XX/XXXX at my place of abode. In the communication it contained false and deceptive tactics and languages to attempt to collect a debt such as Balance d HealthCare Receivables stating that they are debt collectors and that communication was an attempt to collect a debt I the consumer never heard of Balanced Health Care Reciveables prior to that communication therefore I know that I never gave them no direct consent to contact me in regards of any debt so by them contacting me without my direct consent they were in violation of XXXX XXXX XXXX ( a ). XXXX  XXXX XXXX stated in their communication that I the consumer owed {$460.00} which is a violation of XXXX XXXX XXXX ( XXXX ) ( A ) for the false misrepresentation of character for it Is a fact that I can not pay on a positive balance as if I were to deposit {$460.00} into a bank account it is a fact that I don't owe the bank the bank owes me. Balanced HealthCare Reciveable 's communication is on the grounds of a Billing error In and on which I requested documentary evidence pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX. Balanced HealthCare is now civilly liable to pay me {$5000.00} pursuant to XXXX XXXX XXXX and from this alleged debt resulting from identity theft {$1000.00} pursuant to XXXX XXXX XXXX ; and they are now criminally liable pursuant to XXXX XXXX XXXX for devising a schemed on the grounds of trying to defraud me the consumer and for their swindle activity to pay compensate me {>= $1,000,000} Also along with notice of billing error I also along with billing error I sent Balanced HealthCare Receivables a XXXX page Validation of debt letter ; and a XXXX page invoice ; and a XXXX page affidavit of truth
Product: Mortgage

IN XX/XX/XXXX I RECEIVED A FIRST MORTGAGE FROM XXXX XXXX FOR A NO DOC LOAN TO PURCHASE A CONDOMINIUM IN XXXX FLORIDA. I MADE REGULAR PAYMENTS UNTIL THE REAL ESTATE CRISIS OCCURRED IN XX/XX/XXXX AND THEN BEING IN THE REAL ESTATE BUSINESS MY INCOME FELL TO NOTHING. I COULD NO LONGER MAKE PAYMENTS. AS SOON AS THEY ACCELERATED THE LOAN I APPLIED FOR A MODIFICATION AT THEIR INVITATION. THAT PROCESS TOOK TWO YEARS AND I WAS DENIED. 

THE BANK THEN AGREED TO A SHORT SALE AND WHEN I RECEIVED AN OFFER THE BANK CHANGED THEIR MIND AND REFUSED TO SELL THE CONDO ON A SHORT SALE. THIS TOOK A COUPLE OF YEARS TO PLAY OUT. 

I THEN WENT TO MEDIATION WITH THE BANK AND THEY AGREED TO A DEED IN LIEU OF FORECLOSURE. MY ATTORNEY PREPARED AND SUBMITTED THEIR APPLICATION AND THEN THEY CHANGED THEIR MIND AND DID NOT ALLOW IT. 
I THEN SUED THE BANK FOR PREDATORY LENDING AND RECEIVED A DEFAULT JUDGEMENT BECAUSE THEY DID NOT APPEAR IN COURT. THE JUDGE SET THE FORECLOSURE ACTION ASIDE. 
FIVE YEARS LATER I SUED TO SET THE MORTGAGE ASIDE AFTER THE 5 YEAR STATUTE OF LIMITATIONS EXPIRED WHILE THERE WAS NO FORECLOSURE ACTION IN PLACE BY THE BANK. THE JUDGE RULED IN MY FAVOR AND THE MORTGAGE WAS SET ASIDE AND CANCELLED. 
THE BANK THEN APPEALED TO THE FEDERAL COURT TO HAVE THAT DECISION SET ASIDE. THE FEDERAL COURT JUDGE REVERSED THE STATE COURT RULING. WHILE THAT ACTION WAS PENDING THE SUPREME COURT OF FLORIDA RULED THAT ALL SUCH ACTIONS WERE TO BE PUT ON HOLD UNTIL THEY RULED ON THE 5 YEAR STATUTE OF LIMITATION. TWO YEARS LATER THEY CHANGED THE LAW IN FAVOR OF THE BANKS AND RULED THE 5 YEAR STATUTE DID NOT APPLY BECAUSE THE MORTGAGES WERE STILL ON RECORD THEY COULD FORECLOSE A SECOND TIME. 
IN XX/XX/XXXX EIGHT YEARS AFTER I STOPPED PAYING ON THE MORTGAGE, I REAPPLIED FOR A MODIFICATION WITH THE MORTGAGE SERVICER, SHELLPOINT MORTGAGE SERVICING, AT THEIR INVITATION. I HAVE SUBMITTED EVERY DOCUMENT THEY REQUESTED OVER AND OVER AND AFTER MONTHS GO BY THEY AS FOR THE DOCUMENTS AGAIN BECAUSE THE DATES ARE TOO OLD. THEY HAVE DONE THIS SEVERAL TIMES THIS YEAR. THEY NEVER GO TO LOAN COMMITTEE. 
I HAVE REQUESTED THEY REDUCE THE MORTGAGE BALANCE TO AN AMOUNT THAT I HAVE THE ABILITY TO PAY DUE TO THEIR MAKING THIS NO DOC LOAN TO ME WHEN THERE WAS NO WAY I COULD HAVE QUALIFIED WITH NORMAL DOCUMENTATION. I AM PREPARED TO BEGIN PAYING THE MORTGAGE WHEN AND IF THEY SETTLE WITH ME ON A REDUCED MORTGAGE AMOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have tried to get Trans Union to remove inquiries from my account that were reinserted do to their consumer breach means they violated sec. 611 fcra act. INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

XX/XX/2019. We received a letter from Bank of America which appeared prior to opening to be a normal bank statement. Upon reading the letter, dated XX/XX/2019, we learned that our home equity loan had been sold to XXXX XXXX XXXX XXXX. We were alarmed at this change of servicer after reading numerous bad reviews and complaints online. 

The letter from BOA stated " You should receive a welcome letter from XXXX XXXX XXXX XXXX with more information about the next steps. '' We have received no such letter. 

The BOA letter goes on " Begin making payments to XXXX XXXX XXXX XXXX beginning XX/XX/2019 ''. 

Obviously this notice during the summer, when many people are away on vacation, and appearing to be the same monthly statement we receive every month Bank of America is counting on customers not opening the envelope before their due date and then the new servicer will not only be able to collect late fees, but the customers credit score can be effected. 

If a Bank of America customer logs into their online account - the Home Equity Loan is right there - with a payment due date of XX/XX/XXXX - leading them to believe everything is the same as ever. So if they are unaware that their loan has been sold, their payment will end up in some Bank of America black hole and they'll be late on their mortgage. This is clearly a deliberate attempt to *technically* follow the rules for informing the customer, but increasing the likelihood that the banks will somehow profit from customers oversight. 

If Bank of America really wanted to facilitate this transfer in an ethical manner, then at minimum the online mortgage payment portal should mirror the information in the letter - show no payment is due to Bank of America on XX/XX/2019 but instead, payments should be made to the new servicer. 

I called and all the Bank of America employee did was tell me it was up to me to call the new servicer and figure out the payments. They took no responsibility for the fact that the promised welcome letter and information would be received in time - in fact he said " that's a different company, we have no control over what they do or don't do. '' This is unacceptable and while I hope I can figure out how to make our payment by tomorrow, I am 100 % sure there will be tens of thousands of former Bank of America customers who are impacted by this unprofessional behavior.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if the is actually an account that belongs to me.
Product: Credit card or prepaid card

Chase closed my XXXX XXXX XXXX XXXX on XX/XX/XXXX. The card had been opened about XXXX months prior with a XXXX Line of credit to facilitate my flying on United airlines. I did receive the bonus miles promised. I received a letter, dated oddly enough, XX/XX/XXXX with the following words : " XXXX XXXX have an obligation to periodically review our customer relationships. We decided to close your credit card account on XX/XX/XXXX because of your connection to a publicly reported financial investigation. '' The letter is attached. I have an XXXX XXXX XXXX of XXXX at this moment ). It was over XXXX when I got the card. I believe the decrease is because of the increase in my percentage of credit due to their closing my card. I am retired and not involved in any financial or business dealings. I pay all of my bills and taxes. I am not under any type of investigation to my knowledge. About XXXX weeks ago I was able to reach someone at Chase ( A number of transfers ) that agreed to have the case reviewed and revert by mail in 10 Days. I have just received a letter thanking me for my valued business! No one at Chase will discuss this event with me under any circumstance. I am concerned about the effect on my otherwise stellar credit rating that I worked so hard to achieve! I also just applied for a card from XXXX XXXX and was rejected but I think that is because my credit accounts are all locked. I am not used to this. 

Attachments Chase XXXX XXXX XXXX ( XXXX KB )
Product: Checking or savings account

I opened an account and signed up for the XXXXADVANTAGE. I set up direct deposits in an amount sufficient to earn the reward. The first four direct deposits went through fine : On XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21, I received deposits from my employer of {$1500.00}. 

The second deposit of XXXX was rejected by Suntrust. Nothing had changed in terms of the information my employer used to deposit my salary ; Suntrust just rejected it. 

To me, the fact that Suntrust accepted four consecutive direct deposits before rejecting the deposit which would have qualified me to receive an award is eminently suspicious. However, regardless of any nefarious intent, or lack there of, I did my part to have the direct deposits necessary to have the bonus ; the fact that suntrust inexplicably rejected the final deposit was out of my control. 

I tried to resolve this directly with Suntrust. I contacted Suntrust on XX/XX/XXXX and followed up on XX/XX/XXXX, both through XXXX. Each time, I received a polite response that someone at Suntrust would check on this and get back to me. However, I never received any response.
Product: Debt collection

AMCOL Systems Inc. are trying to collect a debt that is not mine. I notified them XXXX XXXX, 2017 of this error and again on XXXX XXXX, 2017. Both times were in writing. The debt belongs to my son who is a XXXX. I am the XXXX. AMCOL has posted this to my credit reporting agencies which caused my credit score to decline. As of this date, XXXX XXXX, 2017 AMCOL has not communicated with me at all. They have not removed this from my credit reports. I did make a comment to my credit reports that these are not my bills. So far my score has still not changed. Thank you for your assistance to this matter.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CAPITAL ONE XXXX XXXX  Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to get my payments reported I checked all credit reports it's been 90 days since I made my first payment I contacted XXXX XXXX XXXX XXXX to see how to report it they directed me to credit bureau and said to summit a dispute the only issue is you can't dispute something that is not on your credit report I want this issue resolved immediately I was lied too and the only reason I bought a vehicle is to help build credit can't do that with no reporting
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased 2 concert tickets for an XXXX XXXX concert in XXXX, Washington that was supposed to take place on XX/XX/XXXX. The charge of {$380.00} was posted to my XXXX XXXX on XXXX XXXX, XXXX. The tickets I purchased were supposed to be electronically transferred from XXXX ( the online website, a 3rd party ticket resale organization supposedly that I purchased them from using my XXXX XXXX ) to my XXXX app on my phone or XXXX. And there is the problem. The 2 tickets have not shown up in my XXXX app. As the date to the concert came near, within a week, I made numerous attempts to contact XXXX  by phone but was put on a never ending hold to the point I would hang up. I then started reaching out to them be online chat and got through. Each time they said they have sent me the web link that I was to click on and that would start the transfer of the concert tickets to my XXXX app. Every time I did this an error message comes up on my tm app that says, oops, something went wrong. I finally got in contact with XXXX, and they repeatedly have told me that no tickets have been transferred to my account or app. One time they told me XXXX had cancelled the transfer. I have filed 2 complaints with XXXX. In my 2nd complaint after losing the 1st complaint, I mailed 10 pages of copies of emails and online chats with the 2 companies, showing I have never received the concert tickets. I strongly believe I should not have to pay for something I did not receive. Bank case Id is XXXX. My transaction number with XXXX is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is repeatedly in violation of my FCRA Rights. For years I've submitted proof that XXXX reporting of my credit data was incorrect. After I advise I would make a formal complaint XXXX falsified a letter they stated they sent me to a wrong address to prove compliance with Texas repossession laws. It was falsified and produced 4 years after I started complaining. XXXX sent documents that my balance was approximately {$8000.00} then it went to {$21000.00} after I started writing letters, then it was went to XXXX then {$13000.00}. Then {$16000.00} approximately. How is it a vehicle that was paid on for over 1 year with a down payment, that was sold at auction, received full federal tax write off still reports still owes over 70 %. XXXX is a predatory lender and should be investigated as such
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute a account on my credit score but Myequifax won't allow me to log in. The error reads " We are temporarily unable to complete this request ''.
Product: Credit reporting or other personal consumer reports

I have a updated credit report from XXXX the source of the public record on my credit profile. I am asking for the XXXX XXXXXXXX on my credit file to be investigated. I have proof that it don't belong on my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed the items below but the bureaus did not remove them nor prove validation. 

XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

In XXXX my first year in college I got a credit card. I didnt use it properly resulting in a charge off ( {$3000.00} ). In XXXX I find out Im being garnished for {$9100.00}. I reached out to the company attempting to collect a debt Erin Capital Management LLC. I informed Erin Capital Management I could settle for {$3000.00}. However they refused my offer. I would like to pay the amount that I owe. If Erin Capital Management is  attempting to collect a debt they should at least be fair about their debt collection practices. They are garnishing 25 % of my wages. Im homeless!
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 federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

Personal Information is reporting inaccurate, this is the only information that should be reporting ; Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX, VA XXXX Phone number : XXXX My only employer is : XXXX XXXX XXXX XXXX Email : XXXXXXXX XXXX  accounts INQUIRES THESE INQUIRE IS NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX  XX/XX/2022 XXXX NOT MINE! 
XXXX XXXX XXXX NOT MINE! 
INQUIRES THESE INQUIRES ARE NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX NOT MINE! 
XXXX XXXX XXXX XX/XX/2022 XXXX NOT MINE! 

XXXX XXXX XXXX XXXXXX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XXXX XXXX XXXXXX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 

( Make sure you put the Account Name and Account # ) has violated my rights. 

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

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known ir has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is falsely validating an account on my credit report. This is inaccurate information as it does not appear on my other credit reporting agencies. Here is another copy of my ftc report as well as my XXXX referral form that I have submitted before. If this account is not investigated properly and removed as it is a FRAUDULENT account as I have documentation proving this account was not opened with my knowledge nor consent I will be taking this to court for damages to my personal character as well as reporting fraudulent information to my report.
Product: Bank account or service

My checking and savings account were levied a total of {$840.00} from my bank account. I was told by Wells Fargo that if I handled the problem the XXXX ( XXXX ) had with me, and the XXXX faxed Wells Fargo a release-of-levied-funds letter by XX/XX/2017, they would return said funds to my accounts. I handled my problems with the XXXX and they, in turn, sent Wells Fargo a fax to release my levied funds ; a fax for which the XXXX received a return confirmation fax from Wells Fargo, at XXXX on XX/XX/2017 with a " Withdrawal of Withholding Order # XXXX '', confirming they received that fax from the XXXX. 
On XX/XX/XXXX Wells Fargo disregarded the release-of-levied-funds fax from the XXXX and sent those levied funds to them anyway. When questioned, the Wells Fargo legal department said they did n't receive the release-of-levied-funds fax from the XXXX until XX/XX/2017, which was past the XX/XX/2017 cut-off date. Wells Fargo told me those funds are gone and there 's nothing I can do to get them back. 
The XXXX faxed me the confirmation fax they received from Wells Fargo at XXXX on XX/XX/2017 ( included ) that proves when Wells Fargo received that release-of-levied-funds fax. The Wells Fargo legal department has lied to me and I have the proof! 
I keep being charged for overdraft protection for automatic payments that were in place, because Wells Fargo did n't return my money as they said they would! I have no money! I ca n't even feed my mother, for whom I take care of, and I 'm running out of gas in my car and I do n't know when I 'll get paid next. I have borrowed all I can from friends. I have all documentation from the XXXX ( including a voice message sent on XX/XX/2017 saying they faxed the release-of-levied-funds letter ) showing that a mistake was made on Wells Fargo 's part and nobody else 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection placed on my credit reports from XXXX XXXX XXXX. I disputed the account and filed complaint. In turn XXXX XXXX XXXX sent me a billing statement from XXXX XXXX XXXX. The billing statement has my name and a wrong address, and an account balance, that's it. Before disputing the account I was informed the account was opened online. According to the FDCRA inaccurate information on a consumers credit report has to be properly validated and verified. A billing statement is NOT verification. The correspondence also states that I must prove that I did not open the account. XXXX XXXX XXXX and XXXX XXXX can not prove I did. It is not my job to prove to a collection agency anything. It is their job to prove I did and then follow the law, and to stop using illegal tactics to collect debts that they can't verify or validate. Also I was sent a fraud packet that I have no problem completing without sending my personal information. I will send the information to XXXX XXXX XXXX who is NOT reporting on my credit reports. XXXX XXXX XXXX is a collection agency that I have never did any business with for goods or services. I did not open this account and I do not know who did. What I do know is the account has not been properly verified according to the FDCRA. Also after my complaint and disputes the account is now reporting twice ( duplicate ) on my XXXX report.
Product: Credit card

I spoke with a XXXX in the escalation department and she confirmed that my surety report was used to discriminate against me to deny my extension of credit.