23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I entered into a HELOC with XXXX XXXX XXXX. XXXX  XXXX XXXX is no longer exists. This HELOC was sold to XXXXXXXX XXXX XXXX, then to XXXX, and it ended up with Bank of America. On XX/XX/XXXX, I received a letter from Bank of America stating that Bank of America had approved my Home Equity account for participation in a principal forgiveness program offered as a result of the Department of Justice and State Attorneys General national settlement with major mortgage servicers, including Bank of America, N.A. I was given a full forgiveness of the remaining principal of {$32000.00} on my Home Equity Line of Credit Account and was informed that I no longer owed anything to Bank of America and that all fees and interest were being waived. At this time, Bank of America should have filed a lien release with XXXX XXXX, State of Washington and they did not. 

On XX/XX/XXXX, I applied for a new HELOC to do some home improvements to my home and to pay some debts. On XX/XX/XXXX, I learned that a lien release was never filed. I have talked to numerous people at Bank of America. On XX/XX/XXXX, I was told that the lien release would be filed with XXXX XXXX, State of Washington by XX/XX/XXXX. It was not. I followed up with Bank of America on XX/XX/XXXX and was told that it would be taken care of by XX/XX/XXXX. I went on vacation on XX/XX/XXXX and did not return until XX/XX/XXXX. My new lender informed me on XX/XX/XXXX that they didn't have the lien release. On XX/XX/XXXX, I again followed up with Bank of America. They informed me that they sent a copy to my on XX/XX/XXXX. I did not receive it. They also told me that they would email a copy to me. They have not emailed a copy to me. I have done my own search on the XXXX XXXX website and do not see record of a lien release filing. Bank of America continues to lie to me. They should have filed this lien release on XX/XX/XXXX. Due to their negligence, my new loan has been delayed for over two months now. 

Any assistance that you can provide will be appreciated. Thank you in advance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX WA XXXX Email : XXXX Phone : XXXX
Product: Debt collection

This is my second time reaching out to ASSET CARE LLC to cease and desist all debt collection until dispute has been resolved. See attachment for certified mail tracking numbers to back up my claim of sending dispute letters and to prove ASSET CARE LLC has been put on notice about this inaccurate account reporting to my consumer file more than ONCE. Reporting Medical debt is illegal. The thought of trusting my physician to not share my personal medical file to anyone has left me feeling betrayed. 

The term breach of security means, with respect to unsecured PHR identifiable HEALTH information of an individual in a personal HEALTH record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.
Product: Credit card

XXXX is reporting a dispute that I had already resolved and had taken off of my account in XX/XX/XXXX with Home Depot. 
I do n't know why this is appearing. I am in the process of applying for a mortgage and this needs to be removed as I can not have any open disputes with y mortgage application. 
This Home Depot card has been paid in full and has not been disputed. I do n't know why it has shown up on my report. Please help. thank you.
Product: Checking or savings account

I incurred 6 overdraft charges in one week With regions bank I went overdrawn twice but the bank each time stacked pending transactions in the most advantageous way to take the most charges possible they do the same thing every time so its not coincidental I told them I feel its fair for me to pay two charges I talked to them and they are not interested I feel this is a predatory behavior and needs to be checked Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged on the following date : XX/XX/year> Since then, the account has repeatedly been updated charged off every month. This is an update in the payment history. A charged off account should not include in active payment history. This inaccurate information falsely manipulates the status of limitation investigate this account properly after I asked you to do it twice and your neglect has violated demanding a deletion of the following account name XXXX XXXX XXXX XXXX XXXX {$3700.00}
Product: Credit reporting or other personal consumer reports

Under 15USC 1681 all Information has to be reported 100 % accurate, which it is not.I have been going through this with them for the last two years and they removed it and put it back on which is a violation and its different different between XXXX credit bureau, which is a violation of my right I am sick and tired of dealing with them. I am going to legal actions against them and request {$1000.00} per violation plus punitive damages because damaging my reputation, I asked him for the validation of the dead and the purchase they have not sent me nothing so I feel like you all is intentionally reporting this because after 30 days that they are given to dispute an extra 15 days and still its been two years so I am going to proceed legal obligations against them, attorney fees, and report them to the XXXX XXXX XXXX  the state attorney, General the FTC and anybody else I can
Product: Debt collection

Around XX/XX/XXXX, I received an annual escrow account disclosue statment stating that my new mortgage would increase from $ {$2200.00} to {$2700.00} ( {$410.00} increase ) due to a shortage in my escrow account. When I contacted PenFed Credit Union, they determined that PenFed erronously dropped my homeowners insurance with XXXX XXXX in my mortgage payment sometime around XX/XX/XXXX and never notified me that my insurance was dropped. Neither XXXX XXXX XXXX or myself requested that my insurance be dropped from my mortgage payment. By XX/XX/XXXX, Penfed had realized that they did not collect for my home owners insurance with XXXX XXXX and therefore I fell short in my escrow account which ultimately increased my mortgage payment by {$410.00} per month. 

The issue that I take with Penfed Credit Union is that when an annual escrow is being analyzed, it is based on the previous year costs which always causes a escrow shortage. With Penfed Credit Union, I have had escrow shortages for XXXX ( {$2200.00} ) ; XXXX ( {$900.00} ), XXXX ( {$810.00} ), and XXXX XXXX {$330.00} ). What I have discovered is that the annual escrow disclosure statement is produced based on last year calculations rather than on current and new costs received from XXXX XXXX XXXX and from my Maryland County Tax Office. Each XXXX, the new calculations from XXXX XXXX and from the Maryland State Tax County Office are obtained by Penfed to update their records, but they fail to compare last years and the current year ' calculations and notify me of any adjustments that needs to be made to my mortgage payment including my escrow account. Rather, they wait until the following year in XXXX and tell me that there is a shortage in my escrow account. I would like to see the CFPB to require mortagage lenders to either : 1 ) wait until they receive new and accurate calculations from their home owners insurance company and from the State County Tax Office rather than use the previous year calculations ; 2 ) notify me immediately and make the new adjustment to my current mortage payment or 3 ) make mortgage companies do an assessment of your escrow account bi-annually. In this way, this avoids escrow shortages altogether. When I first spoke with a Penfed representative about my situation, she told me that she had seen higher escrow shorgages than {$2200.00}. This is unacceptable for mortgage companies to just allow shortages to drag on for 11 to 12 months and not notify the customer. Shortages in escrow accounts can certainly lead to foreclosures or you having to sell your house. Finally, I feel that I should not have had to pay the escrow shortgage given they admitted it was their fault for mistakenly dropping my homeowners insurance. Any documentation, clarification, or assistance you need, I am available.
Product: Credit reporting or other personal consumer reports

MILESTONE is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. MILESTONE does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Debt collection

This company takes a variety of tactics to reclaim a debt. I first discovered an attempt to collect this debt after I was sued by this company. I did not show up to court, and they received a default judgement against me. The debtors then seized my assets which I proved were protected under the law and attempts to collect we 're closed by the court. After I had stopped them from taking my funds. For the last year, they have used a number of tactics to get this debt including contacting a 3rd party about my debt, reporting to the collection agencies when I disputed the account, and they reported the judgement entered to the credit agencies after I asked them to remove the debt. I had asked them to verify the debt after receiving the judgement, including my signature, but they never produced these documents. Instead they sent me old statements, which I know does not qualify as adequate verification of debt in the state of Illinois. They still are claiming that they have provided me with verification. I contacted the original creditor to see if I can dispute the debt with them directly, as this company is extremely difficult to deal with.
Product: Debt collection

Bank of America card Credit card! So Many times I spoke to again yesterday -- -- -- - saying and adding intrest on a card lost in XXXX of last year! I have been making pays on the {$1500.00}, I took as cash advance in XX/XX/21! XXXX is all I pay on! period trying to collect {$3600.00} plus intrest for a card that was lost! I am a XXXX XXXX and this is crazy!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several loans with the Department of Ed/XXXX I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' they are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of EdXXXX and there are about 8 of them show as closed with the last reported activity and payment of XX/XX/2013. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX I would like these accounts removed from my credit report immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an automated call stating that my account with XXXX XXXX XXXX XXXX Mastercard was past due. As I had not received any bills from this company I called to inquire about the balance. I was told a {$20.00} charge on XX/XX/XXXX had been made and that I now owed over {$85.00} due to late feeds and interest. To be clear, the initial charge was correct. This card was attached to my XXXX account and I had authorized a purchase. However, I never received any notification of the bill. In discussing with the customer service rep, XXXX had been sending information to the wrong address. They had cut off the final two numbers of my apartment number, sending it to a different apartment. I don't know why this change was made because I have not moved in 6 years and have previously received multiple bills from them. I was transferred to another customer service rep who stated that all late fees would be waived and my total due would be just over {$25.00} with interest, which I considered a reasonable compromise. However, he was not able to take payment from me when I offered to pay over the phone and had to transfer me to someone else. When I tried to make a payment with that person, they wanted the full {$85.00} and had no record of the previous conversation. I decided to send in a check for {$26.00} to cover what had previously been discussed. The check cleared by bank on XX/XX/XXXX. On that day I received a text from the company saying that I owed {$84.00}. When I called to discuss this with customer service they said I currently owed {$45.00} and had no record of the previous conversations or of the deposited check. She also said the {$45.00} charge was for a " balance transfer '' which had never been authorized. She said she was unable to help anymore with the issue. I closed the account.
Product: Credit card

Citi Best Buy keeps letting fraud happen on my account. They keep balances on the old card numbers when they reissue the new card numbers. 

I have outstanding transactions that need to be credited- XXXX from XXXX on XX/XX/XXXX and on XX/XX/XXXX, a transaction from Best Buy that was n't supposed to be. I have called numerous times, even to the Executive Offices but they wo n't do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, Pursuant to 15 USC 1681a under Exclusion section B, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Congress said any card. The credit card is my social security card. This credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). Pursuant to 15 USC 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. When a consumer report creates an investigative consumer report, they are not to include factual information and they're also supposed to interview my neighbors and friends or associates. Credit reporting is optional. There is no law saying that any consumer credit transaction has to be reported to a consumer reporting agency. A consumer reporting agency isn't a part of any political subdivision or the government. At the beginning of the FCRA under the congressional findings, Congress removed themselves from liability letting me know that this is an elaborate mechanism and you people assumed this vital role of reporting credit information. I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. If you do not remove it then you are civilly liable for reporting this information and it is inaccurate.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent account that was closed now they put it back on my account its been a pain its been hindering my life with things I wan na do XXXX XXXX  Last reported XX/XX/XXXX Opened XX/XX/XXXX {$26000.00} The company hasnt provided any info like was the money transferred in and out of the account or anything I just didnt understand til I spoke with a consultant I want this account off my credit its been a pain now they wan na reinvestigate putting the account back on my credit over and over They should investigate who transferred the money or etc around cause I surely didnt 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

My information may have been impacted by the Equifax Data Breach and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 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 ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists The Fair Credit Reporting Act ( FCRA ) in the United States Code gives consumers the right to dispute and remove inaccurate inquiries from their credit reports :
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Equifax regarding some fraudulent information on my credit and send all proof that I can to show that these accounts was in fact a fraud account including a FTC report and a police report from my local police still has of today no results
Product: Debt collection

I received a letter from Resurgent Capital Services stating i owe a debt from XXXX for {$21000.00}. First of all, i have no idea what this is about. I sent them a debt validation letter on XX/XX/XXXX. I just received an account summary report/letter from them on XX/XX/XXXX dated XX/XX/XXXX, which basically states the same thing they sent the first time, via mail. Their documents do not give out the full account # as requested to verify any relations to this matter ; just a resurgent reference #. 

The statute of limitations on collecting an auto debt in Louisiana is 3years. The listed origination date is XX/XX/XXXX ; Last payment rcvd XX/XX/XXXX ; Charged off dated of XX/XX/XXXX ; Account acquired XX/XX/XXXX. Today 's date is XX/XX/XXXX, which puts this matter 15years well beyond the legal and enforceable timeline. 

I would like them to delete my name and information from all of their records, cease and desists from ever contacting me or any affiliation of my name and address ever again, as I do not owe this debt. Doing so will violate laws put in place to protect consumers from shady, illegal and unfair practices & tactics like this.
Product: Debt collection

The collector is actively trying to collect on a debt in which the last activity was in XX/XX/2012. As a resident of the State of Texas, the statute of limitations on debt is four ( 4 ) years. In addition, I contacted the collector and asked for debt verification that met the standards of the Fair Debt Collection Practices. The collector only provided a " balance due '' statement with none of the characteristics that qualify under debt verification standards. 

I have subsequently sent another letter to the collector via certified mail, return receipt requested, informing them their response did not meet the requirements. I asked the debt be removed. I also notified them they are trying to collect a debt past the statute of limitation. 

As a " Law Firm '' standards exist for ethical behavior that include knowing the laws of the States in which they practice. They know, or should know, the statue of limitations in the State of Texas.
Product: Vehicle loan or lease

I'm with Honda Financial Service, I'm talking to pay the late payments for XXXX  months, I have the money to pay and what they do is make excuses after excuses so that time continues to run to collect more than what it is. The reason I couldn't pay was that my XXXX XXXX XXXX XXXX
Product: Checking or savings account

Someone opened an account without my consent. I checked my XXXX XXXX alert and found out through XXXX that it was opened on XX/XX/2024. I called the Bank of America number provided below. They transferred me to the Fraud Department where I reported the incident. They could provide more information, so they gave me another number to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, from my personal profile. A copy of my Bank statement, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX and XXXX XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Bank statement, drivers License, and my Social Security Number as verification of my ONLY address.