23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My mortgage payment with Bank of America has never been late for 11 years. During the month of   XXXX   XXXX  , I made a change to the automatic payment of my mortgage. The change resulted in my mortgage payment being not credited to the loan account, but to a Bank of America 's credit card account. Due to that mistake, my mortgage payment was delinquent on   XXXX   XXXX   for more than 30 days.
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Until   XXXX   XXXX   XXXX  , I was not informed by Bank of America by phone or written notice regarding the delinquency. The only reason I found out of the delinquency was because a service that I use,  XXXX , informed of a drop on my credit history rate.
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I called Bank of America on the same date,   XXXX   XXXX   XXXX  , and explained the situation. Bank of America never informed me that I could have retroactively transfer the credits I have on my Bank of America credit card to my Mortgage account with Bank of America. I made the payment over the phone on that same call on   XXXX   XXXX  , and they also refunded all fees related to late fees. On that recorded phone call, on   XXXX   XXXX   XXXX  , I was informed by the Bank of America associate that there were no records of attempted calls from the collection department to inform me of the delinquency.
I also did not received any written notice from Bank of America before   XXXX   XXXX   informing on the delinquency of   XXXX   XXXX  .
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My credit payment history is impecable with all companies I have applied for credit.
My credit rating was above 800 in almost all Credit Report Agencies. That mortgage delinquency reported by Bank of America made my credit report to drop around 200 points. It took me more than 17 years to build an impecable credit history. Bank of America reported a delinquency without good faith efforts attempts to contact me, violated a RESPA regulation ( 12 CFR 1024.39 ( a ) ) and my rights as a consumer. My voice mail on my phone estates my name and request the called to leave a message. I never receive any voice mail from Bank of America.
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I have records of the credit card account holding the credit amount due on my mortgage ( I did not owe any amount on the credit card on XX/XX/XXXX  so the payment done was applied as a credit to my credit card account ). The date of this payment is the same date of the mortgage due,  XX/XX/XXXX .
It was clearly a mistake on my part, but I am not a number. I am a good consumer with an impecable payment history, not having any late payment or delinquency in 11 years of mortgage.
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Bank of America did not make any attempt to contact me by phone, mail or email within 36 days of my mortgage delinquency, which is a RESPA violation ( 12 CFR 1024.39 ( a ) ). Based on that, I requested Bank of America to contact the Credit Agencies to remove the delinquency from my credit reports. However, Bank of America refused to do so.
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Bank of America did not make any attempt to contact me
Product: Credit reporting or other personal consumer reports

Fraud and data sharing in credit reporting are governed by laws like the Fair Credit Reporting Act ( FCRA ), ensuring accuracy and consumer protection. Issues include identity theft, synthetic fraud, and data breaches like XXXX ( XXXX  ). Consumers should monitor reports, while companies must secure data and comply with privacy regulations to prevent misuse.
Product: Mortgage

Good morning this complaint is a continuing of our Case number : XXXX XXXX XXXX my loan number with chase bank is XXXX for the property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXX on file all documents are attached on this complain case number : XXXX as today and is been more than one month since we open this complain nothing has been resolved with chase bank a representative from the chase bank executive office name XXXX XXXX at the phone number XXXX ext XXXX did call me ones she request for me to send her prove of all the repairs and XXXX to the property located at XXXX XXXX XXXX XXXX XXXX, PA XXXX we did send it over 2 weeks ago via fax and email we fax it to XXXX also fax to executive office at XXXX also email to executive office at XXXXXXXXXXXX and no one 's have getting back to us to let us know that they received and working on this case when I call XXXX XXXX XXXX yesterday she told the assisted who answer the phone that she ca n't talk to me anymore because my case on executive office was close that after she talk to me ones she ca n't talk to me anymore she told me to contact our new negotiator on the loan his name is XXXX XXXX at the phone number XXXX ext XXXX wish I did call more the XXXX times and I have this call record on my XXXX each time I call XXXX XXXX he never answer the phone his voice message says he will call you bank within 24 hours and he never call back please note : each of my call to XXXX XXXX specified very clear to please only contact us at our Mobil number or office number wish is XXXX or XXXX because no one 's is at home during working hours after more than XXXX calls that i have recorded on my phone as proved still XXXX did call me only ones last week but to my home phone number during working hours I call this a malicious intention because he knows that no one 's is at home he did not want to talk to me he just want to make a phone call to a number register in my name that he knows no ones will answer but just too he can have on his record that he did try to contact me ones : what I call an insult to the intelligence of anyone please note I am attaching the invoices requested by XXXX XXXX I am also attached the letter send by her executive office where it say that she will get back to me no later than XXXX XXXX and as you may know she refuse to talk to me when I call yesterday and today XXXX days after the letter expire on XXXX XXXX 2015 we do n't have any answer for our short sale see documents attacked
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday my credit score was XXXX. Today its XXXX. My score dropped XXXX points FOR NO REASON!!! How is that even possible? All of my accounts have lower balance than last month. I dont understand how my credit score takes a XXXX point hit for no reason and I need an explanation. I check my score DAILY and when anything is reported incorrectly Im notifying you ( and the FTC ) so that these issues are documented and no one is surprised when they end up being sued in court.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 







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

Comenity bank has repeatedly harassed me and has even taken to calling me from blocked phone numbers. I know its them because I used the app trap call to verify that it is them making the calls. They call at all hours, repeatedly, and non stop.
Product: Mortgage

A tree fell on my house XX/XX/2020. An insurance claim check was issued and I unknowingly deposited the check into my account. The check is in a holding account at XXXX Bank and Nationstar ( Mr.Cooper ) refuses to endorse the check after numerous attempts. Each time I spoke to a representative, I was informed that I needed to provide more documentation, each time it was a different document. After reaching out to my Bank and insurance adjuster, they tried working with Nationstar going so far as to speak to one of their representatives. After each contact with the mortgage, I was told by my insurance company and my bank that everything should be resolved. 
Now I am dealing with the mortgage company refusing to fill out the acknowledgment, release, allonge documentation, Im being told the bank should fill out the document and submit. The bank is telling me they do not fill out that particular documentation because they are not payees on the check. 

This has been going on since XX/XX/2020. I am exhausted trying to get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent letters, filled out forms, and called several times to have the fraud alert removed. Experian will not remove the alert. I've contacted the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding closed XXXX XXXX account XXXX. 
It has been disputed twice yet it comes back verified or updated from all 3 credit bureaus. 
Sometime ago I spoke with a XXXX  XXXX employee in XXXX even though I am quite fluent and educated in English.The gist of the conversation was that I had a card that had been fraudulently used by others or skimmed.Per the conversation, the card was closed and the debt was paid by XXXX  XXXX and another card was to be re-issued and mailed. 
Instead the card did not arrive and my credit was damaged as if I had been the thief or fraudster.Instead my otherwise unflawed credit has been and continues to be damaged by this illegal fraudulent credit reporting regardless of credit bureau disputes.This grievous unconscionable behavior not only damages me but also the known forthright founder XXXX XXXX, CEO who built a small company into a the 10th largest bank in America.I 'm sending him a copy of this. 
I myself am wealthy, all properties owned outright, a large income until death and my children won't have to work as hard as I did.I 'm fighting XXXX and trying to get my family ready.I have to deal with your errors because the world requires it.If my wife 's credit was not good I might be in trouble with endless treatments to beat the XXXX which I shall.But, I will not permit XXXX  XXXX to harm me without a fight.Do not call me I will be on vacation for two weeks.Send a fraud statement if you must, I'll sign with notary.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I never authorized for the above credit card to be closed. They closed my card without my consent and it dropped my XXXX score by XXXX points. Now it's shown to be open and still not reporting opened on the credit agency as well my score is still the same. 

Attached a CC Statement
Product: Checking or savings account

I have a checking account with Citibank in which I have had my direct deposit linked to since XXXX XXXX  XXXX, and use on a regular basis. On XX/XX/XXXX I deposited a check issued by the IRS in the amount of {$3700.00} using the mobile check deposit feature on my Citibank account. A few days later, I tried to log into my account and it was locked. I called the number on the back of my card and after verifying my account, they transferred me to the fraud department where the agent stated that my account was being closed and that I could no longer use my debit card or access it. When I asked why, she said she could not tell me why and that in the account holder 's policy, states that they have the right to close my account at any time without a reason necessary. I asked when I will get the funds that I have in the account she said in 60 days they will close my account and I might be able to get a check after that for my funds but that it's up to them if they give me my money or not. I asked to speak with a supervisor and she refused. After a few days of panic, I was able to obtain a number for the Citi Executive Response Unit and reached out to them. They responded quickly but have yet to find a resolution. They asked me to supply copies of my tax document in case it helps. I did that but still can't get an answer. My utilities have given me warnings, I am a single mother of 5,1 of my children XXXX and I can't even feed them at this point. My vehicle will be repossessed in a matter of days, I don't have access to my paycheck because I went to that account. I am scared and at a loss of what to do now. 
i ATTACHED THEIR RESPONSE STATING THEY WILL NO LONGER RESPOND TO ANYTHING ELSE PERTAINING TO THIS MATTER. I DON'T HAVE AN ISSUE WITH THE ACCOUNT CLOSING, MY ISSUE IS THAT I NEED MY MONEY BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received notice from Equifax that the account showing a repossession was accurate and factual. The company 's name was XXXX. The open date is still showing incorrect and the date of last payment is grossly incorrect. The account was opened on XXXX and the credit report is showing XXXX. The date of last payment is showing XXXX when the actual last date of payment was XXXX and then the company 's gap payment and auction payment is actually XXXX. They continue to report this information and purposely hurt my credit score. On tope of that the reporting method is not XXXX XXXX compliant.
Product: Checking or savings account

Capital One 360 savings account has been my online account for many years. In XX/XX/2022, I understood that this online account was paying 4.35 % interest rate. I began transferring larger sums of money to this account to take advantage of the increased interest rate. I ended up having over {$62000.00} in this account. Upon checking this account recently, I discovered I had received only {$160.00} in interest for the year. Upon further research I discovered that Capital one 360 and Capital One 360 Preferred are two different types of accounts. These names are used interchangeably in the literature from Capital One. Because of this, I believed the Preferred was just a descriptive term, not a separate type of account. I was receiving only .30 % on my savings, not the 4.35 % advertised that was the reason I moved money to that account. I believe the practice of using the names of these accounts interchangeably to be very misleading, deceptive, and unfair. I believe I should be reimbursed the more than {$1000.00} I would have received if my account was getting the 4.35 % advertised by Capital One 360. I have had savings with Capital One for years and have felt that they were in my best interest, but I feel very much as though I was taken advantage of with this happening. Thank you for consideration of this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX Inquiry XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX person abuse. Please review all I have sent. Promise from XXXX XXXX  that nothing will be reported in a picture semt, faxes, and emails to cancel before decision was rendered and the fact I his legal guardian was not present. As per that voided contract cancelation faxes and emails well documented on my end shows we asked to cancel. Contract XXXX XXXX  signed is not valid because he is mentally not capable of making legal decision due to XXXX XXXX. He has servere XXXX and gets lost .You can't hold a contract valid if the person did not understand what he was signing. Whoever is responding to my complaints still is not looking at legal and rights being violated by freely reporting details illegally. I have read all the responses and not all issues are being addressed .Remove the file because the contract is void. Please have your legal team look through this, and XXXX XXXX XXXX President and Chief   Executive Officer MIB Group , Inc. we are not being treated fairly. And could be bad on your company. Threat of being frivolous can be looked at by suit. We don't want to sue. We just want you to look at the whole file. No one is looking at all the facts we want someone higher to look at everything. Please come to your senses.this is XXXX person abuse. I have sent 20 things justify a delete of the file. According to the fair credit reporting act and the contract you keep reminding us about from statefarm. It's common sense that a delete is in order Whoever is responding is not treating this case fairly and unbiasedly. The whole thing has not been addressed. I looked through all responses.
Product: Debt collection

I was contacted by XXXX XXXX about a debt. I checked their site to see what the debt supposedly was and it shows an account that has been paid off since XX/XX/year>. I have the letter showing the account is paid off. I also contacted the original creditor and the original collector I worked with years ago and they verified this is paid. Both also commented that even if it wasnt, this debt is so old that XXXX XXXX shouldnt be calling in the first place claiming they are taking legal action. XXXX XXXX claims something like an address change can restart the statute of limitations on a debt, how youre not allowed to dispute the debt, etc. which is interesting and from my understanding, not true. I spoke with someone at XXXX XXXX and told them I do not owe this debt and the circumstances. He asked that I provide proof to their email, which I did so. Since then I have received more calls, text messages, and voicemails from this company.
Product: Debt collection

National credit adjusters failed to provide me with a proper notification of the certified receipt with my name on it. If a debt collector neglected to provide you with a validation notice or ignored your request for verification, they have violated the Collection Practices Act. In such situations, you have the authority to file a complaint with the Consumer Financial Protection Bureau1. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), collectors are required to furnish specific information in their initial communication, commonly known as a debt validation notice. This notice should include : The amount of the debt. 
The name of the current creditor to whom the debt is owed. 
A statement that unless you dispute the debts validity within 30 days of receiving the notice, the debt will be assumed valid by the collector. 
A statement that if you notify the collector in writing within the 30-day period that the debt is disputed, they will obtain verification of the debt or a copy of a judgment against you, which will be mailed to you.

Upon your written request within the 30-day period, the collector must provide you with the name and address of the original creditor, if different from the current one2.

Remember that if the initial communication fails to contain this information, the agency has five days from the initial contact to provide it to you2. If you believe a debt collector has not fulfilled these requirements, you can submit a complaint to the CFPB. Furthermore, once you receive the debt validation information, you have 30 days to dispute the debt in writing If the collector continues to pursue payment without verifying the debt, you may even have grounds to sue them in federal or state court, potentially recovering {$1000.00} per lawsuit, along with actual damages, attorneys fees, and court costs.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

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

I went over a copy of my new credit report it contained same errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific  information under dispute is defaming the integrity of my credit file. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts XXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

sent this letter- This letter serves as a formal and initial communication to complain that you are reporting inaccurate and incomplete information on my credit report. The following information regarding late payments are inaccurate : XXXX XXXX XXXX - Dates : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I respectfully request a thorough and accurate investigation into the data associated with this account, ensuring that all notations, dates, payments, and balances are reported correctly. I also request specific evidence proving that the alleged late payments were, in fact, late. To verify this, I am requesting copies of statements and payment transaction records from the creditor that demonstrate my payment was submitted late. 

Under 15 U.S. Code 1681e, it is your responsibility, as the credit reporting agency, to verify the accuracy of this information with the reporting creditor. If you are unable to provide proof of the alleged late payments, I ask that you update my payment history to reflect a " PAANL '' ( Paid As Agreed, Never Late ) status, in accordance with consumer protection laws. 

Please send the results of this dispute and the updated credit report to the address listed above.