23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have had mortgages with Bank of America for many years dating back to about XXXX. About 4 years ago we refinanced our mortgage on a 30 year ARM with a balance of {$140000.00}. Since the refinancing we have paid the balance down to about {$70000.00}. 
In XX/XX/XXXX we received a letter from the bank that they needed our most recent insurance policy naming the bank as an insured party. My insurance agent faxed the policy a requested on XX/XX/XXXX. On XX/XX/XXXX we received another letter indicating they had no record of the policy. I contacted BofA at the number provided and ultimately spoke with their representative XXXX XXXX. He acknowledged there was a miscue at the bank regarding our original fax, and provided a specific case number and direct fax line for my agent to use to send the policy. That same day, XXXX XXXX confirmed to my insurance agent that BofA had received the policy. 
On XX/XX/XXXX the bank made a premium payment of {$4500.00}, an amount more than XXXX times my regular homeowner 's insurance premium, with no explanation as to the rationale. The amount of coverage on the bank issued policy was XXXX times the mortgage balance and in excess of XXXX % of the full replacement cost of the property. The online record says the Bank 's records indicate they are responsible for paying premiums although, to my recollection, we never have had an escrow account with the bank. As a result of the payment there is a {$4500.00} deficiency in the escrow account. 
We learned of the payment by reviewing our on-line activity on XX/XX/XXXX, at which time we made phone contact with the bank. I requested to speak with supervisor and was directed to XXXX XXXX ( sp? ). After reviewing the record, she informed me she would speak with the proper authorities about reversal of the payment charged to the escrow account. She also committed to frequent contact with us concerning disposition. After no contacts from XXXX XXXX, We left phone messages on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting an update. We have received no responses to our phone messages. 
We therefore seek the assistance of the CFPB.
Product: Debt collection

I received a call for a family member regarding a debt owed. After explaining to the representative several times that she had the wrong line. She was very unprofessional and insisted that I leave a message for my family member or provide her with an alternative number to contact them directly. I eventually ended the call after asking her repeatedly not to call me.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On  XXXX   XXXX ,   XXXX  , I received a notification that there was a new collection added to my   XXXX    credit report. When I went into my account there was a collection from CCS Collections in the amount of {$680.00}. The date reported was  XXXX / XXXX /  XXXX   and the date assigned was  XXXX / XXXX /  XXXX  . This is the only information I have regarding this matter.
Product: Checking or savings account

On XXXXXXXX XXXX there was provisional adjustment made on my checking account that had the original transaction date from XX/XX/ to the amount was for XXXX this was not authorized. It was done at a XXXX in XXXX Ohio my bank said it made several investigations to which they said it was a legitimate claim, I called XXXX an got in contact with their department that handles these transactions. They can not find any record of this transaction whatsoever. I have submitted at least 4 claims to the fraud department at my bank, to which they keep saying it is a legitimate transaction, but XXXX has no record of this transaction the person who is from XXXXXXXX from the credit customer service department is XXXX XXXX her phone number is XXXX. She can not find any record of this transaction. EMail XXXX I have been trying to resolve this with the bank and XXXX since XXXX. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was served papers stating I was being sued by XXXX FUNDING/RESURGENT CAPITAL SERVICES for a debt that was a result of fraud and has been reported to law enforcement and the case is still ongoing. I have never signed a contract with this company. I did not give consent to pull my consumer report. I did not give them my non-public information ( ssn ) I do not know how they obtained my non-public information. To whom is may Concern, I dispute your claim and I am requesting validation from you pursuant to the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting or court proceedings until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Send this information to my address and accept this letter sent as my formal debt validation request which I am allowed under the FDCPA. I will await your reply with the above requested proof Upon receiving it, I will correspond back with you.
Product: Debt collection

I received a bill in the mail that I owe {$1100.00} From XXXX, XXXX, XXXX  it says I had a XXXX XXXX XXXX XXXX  account. I never owed money to them whatsoever in fact I've done my taxes for years with XXXX XXXX XXXX XXXXXXXX and I was never told I owed money you have the wrong person without a doubt I do not owe anything that's a very long time ago and I feel now I'm being scammed. According to this bill my account number is XXXX my address XXXX XXXX XXXX XXXX Ca XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, there are accounts on my consumer report that do not belong to me
Product: Debt collection

To the XXXX, I would like to make you aware of a situation involving the company XXXX. I had a membership agreement with them from XX/XX/XXXX - XX/XX/XXXX. I am a small business of one, I am XXXX years old, and I have never dealt with such a terrible company. 

I was under the impression that I was signing an agreement with a moral, righteous corporation. One which preaches " community '' and praises young entrepreneurs. I was sorely mistaken. 

When COVID-19 first hit MA ( where I reside ), a majority of my membership agreements were put on hold ( gym, et cetera ) due to the MANDATORY stay at home order from XX/XX/XXXX - XX/XX/XXXX. XXXX continued to charge me and thousands upon thousands of members although I could not LEGALLY go into my office and use their services. I asked them to pause my membership until I could LEGALLY go back into my office. XXXX refused. In fact, they didn't give me any reasonable concessions. The pandemic continued, and I as well as millions of small business owners were continually charged. I had to put a stop payment with my bank. 

It is worth noting that I filed a complaint with the Massachusetts Attorney General. The AG 'S office reached out to XXXX on my behalf, and they did not respond. 

Fast forward to XX/XX/XXXX, and they have now sent my debt to collections. The collections agency, named Rauch-Milliken International , Inc., has threatened to seize assets ( of which I have none, I am a XXXX-year-old rentee ), threatened lawsuits, and made me feel extremely uncomfortable, stressed, and freaked out in an already increasingly stressful situation with COVID-19. You have no idea what kind of additional pressure I feel. 

I'm not sure what can be done here, but the AG 's office instructed me to file a complaint with your office. 

Here is some literature on XXXX as of XXXX which is worth noting : https : XXXX https : XXXX It is not just me. It is many, many Americans and I'm sure international members that are feeling pressured, threatened, and intimidated by a multi-billion dollar company to pay rent in a global pandemic. It's also worth pointing out that XXXX, themselves, has not paid rent at some of their offices. 

I will attach the correspondence from the debt collectors below. 

I hope to hear back from you. 

Best, XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Record type Bankruptcy XXXX  XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Product: Checking or savings account

On or around the XXXX of XX/XX/year> I attempted to use my card several times and notice that the transactions were being declined. I had recently deposited a check for XXXX from a settlement. I got a cashier 's check for XXXX previously for a down payment for a new vehicle. I made several transactions through cash app for lawyers fees and insurance for the vehicle and several purchases from XXXX and XXXX, however XXXX was charging me at the time of transactions and then again when items shipped and I have XXXX XXXX free delivery and certain packages were not delivered, messages saying delivery undeliverable, items missing, wrong description of items, charged twice for groceries that I was charged for on my EBT card on file and then charged me through my bank account for the same items but one shippment and I reported it. Several unauthorized charges for XXXX XXXXXXXX XXXX XXXX transfers I don't recognize for, unauthorized XXXX XXXX overdraft charges excessively, I had no access to my account for XXXX months but companies were still withdrawing my money with a hard hold on the account and unauthorized charges were still taking place. I was mailed debit cards twice and checks that hadn't ever been activated and fraud was on the account the next day and I had no access to my account. And as a result of this I'm forced to live off of overdrafts on an income of social security monthly. In XX/XX/year>, I was charged over XXXX XXXX dollars for overdrafts fees and this is excessively every month for the last XXXX or XXXX years and I suspected it but couldn't prove it, however I can now. Ive spoken with XXXX and Wells Fargo together regarding these issues. I'm having issues understanding how XXXX takes money unauthorized, admitted it to the bank and I had a balance before the transactions however Wells Fargo took the money that was credited back from XXXX which would have put my account back in the positive, waived the overdraft fees because of unauthorized but instead Wells Fargo applied my money to overdraft charges and still leaving me in the negative and I wasn't negative before. Wells Fargo has told me that I made atm overdraft that I didn't make, I'm only allowed XXXX a month never more than that but I always end up with XXXX or more and this is financial abuse against me.
Product: Credit reporting or other personal consumer reports

I have accounts on my credit report with XXXX, Transunion, and XXXX that do not belong to me.
Product: Payday loan, title loan, or personal loan

We recently purchased a vehicle using GM Financial, and after a few weeks owning it, the van was totaled, and when we went to file the claim, we found that the insurance company never transferred the collision to the new van as they were supposed to. Once GM Financial found out about, they shutdown communicating with us. They told us many times that we are " XXXX '' and " XXXX '' and other awful names. Whenever we'd call, they played their phone games where they'd put us on hold for an hour+ each time, and then the call would get " accidently dropped '' or someone would come on, and then put us on hold again for an hour+. 

When we finally got someone to talk to us, they told us we needed to give them our totaled van back and they would auction it off and put it towards what we owed. They never told us that that would be considered a repossession on our credit. When we asked why no one told us, they denied it. We asked for the van back, but they refused to let us have it. 

And now, they won't accept payments from us, but they are continuing to charge us late fees and report it to the credit bureau. Still no one will answer why. We go back to the transferring and dropping calls games. 

So they are intentionally destroying our credit and racking up late fees when we want to pay. 

Acct # : XXXX
Product: Debt collection

I took out a payday loan a couple years ago. I fell behind or changed banks and missed a payment. Last year, I was contacted by letter or call to pay off {$210.00} to close the case. I paid that debt and even received a letter from North Cash in  XXXX   XXXX  to say they received my payment and case is closed. Now a year later, i have been getting emails starting on  XXXX / XXXX / XXXX  to settle the account. I have emailed to say account is swttled since last year and even gave date and check number ... Last thursday  XXXX   XXXX , I spoke with someone after getting voicemail about debt.. The guy said he was referring the case to supervisor and wanted me to fax over the letter. I said no as it should be in the file since it was their letterhead. I told him that they were harassing me for debt which was paid and if they contacted me again, I will file a formal complaint as I no longer owe the debt for a bout one year.
Product: Credit reporting or other personal consumer reports

unauthorized inquiries on my credit report XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX
Product: Credit card or prepaid card

I overpaid CapitalOne {$110.00} ( {$100.00} + 10 cash advance fees for unfunded transaction ) but they refused to refund my money because I am not able to provide them a copy of my SSN card. I requested to close the account several months ago and the money was not refunded. The monthly statement said I have a - {$100.00} but CapitalOne still did not want to send me the check for that amount. They kept saying there was a restriction on the account because I did not mail them my social security card. I verbally provided them but that was not enough for them. I do not have the physical SSN card so I can not provide it to them. 

The social security website says that we don't need to have the physical SSN card, just remember the number is adequate. CapitalOne is using unreasonable reasons to keep people 's money without paying interest ( while they charge people over 25 % interest for using their money ). I offered CapitalOne that I could provide them a copy of my passport, but they said no. Basically I have to give them what they ask or they would not refund my money. 

I provided CapitalOne everything they asked for when I applied for the card. Now they just don't want to refund the money because I can not come up with the physical SSN card. If they ask for my physical birth certificate and I don't have one, do they have the right to keep my money? In my opinion, CapitalOne is comparable to thieves and unethical. Capital One should be investigated for their unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying without success to get fraudulent information removed from my credit reports at the XXXX major agencies. This is a long standing problem and I have lost faith that it will ever be resolved but it is over XXXX XXXX since the last activity and the information will drop off soon Wells Fargo closed and wrote off the account in XXXX but it listing a payment in XXXX. This will prolong the time the fraudulent information remains on my reports. To my knowledge there was never a payment made by me in XXXX. Please help me to get this removed so the fraudulent account will drop off my credit next year I have been damaged enough. Also I have not missed any payment on any accounts in my name since I returned to the XXXX over XXXX years ago please make sure my credit reports reflect my actual payment history. 
Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX acct. num. XXXX XXXX XXXX acct. num. XXXX amount {$2800.00} XXXX XXXX acct. num. XXXX amount {$420.00} date XX/XX/XXXX XXXX  acct. num. XXXX amount {$860.00} date XX/XX/XXXXXXXX XXXX acct. num. XXXX amount {$750.00} date XX/XX/XXXX XXXX XXXX acct. num. XXXX amount {$100.00} XXXX acct. num. XXXX amount {$11000.00} XXXX XXXX  acct. num. XXXX amount {$690.00} date XX/XX/XXXX XXXX XXXX XXXX XXXX amount {$14000.00} date XX/XX/XXXX XXXX XXXX XXXX acct. num. XXXX amount date {$2300.00} XXXX XXXX acct. num. XXXX amount {$350.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$22000.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$10000.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$710.00} date XX/XX/XXXXXXXX XXXX  acct. num. XXXX amount {$180.00} XXXX acct. num. XXXX amount {$790.00} XXXX acct. num. XXXX amount {$440.00} XXXX XXXX acct. num. XXXX amount {$340.00} XXXX acct. num. XXXX amount {$440.00} has violated my rights. 
15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I purchased a XXXX vehicle in XX/XX/2023, financing it through XXXX XXXX XXXX. By XX/XX/2023, I had paid off the loan entirely. On XX/XX/XXXX, I received a Notice of Clearance ( NOC ) from XXXX XXXX XXXX, confirming that there were no longer any liens on my vehicle. Subsequently, I had the lien removed from my title. 

However, despite these actions, my Experian Credit Report still indicates an outstanding balance of {$62.00} on the loan. In contrast, both XXXX and XXXX credit reports accurately reflect the loan as paid off. I have attempted to resolve this discrepancy by contacting both Experian and XXXX XXXX XXXX, but the issue persists.
Product: Credit reporting

On XX/XX/2015 I requested my annual credit report ( Equifax ) via the automated phone ( XXXX ). My request was accepted. By XX/XX/2015 I had received nothing. 
I repeated my request via the automated phone system and again it was accepted. 
In a few days received letter from Equifax stating I had received a credit report within the last 12 months ( not true ). There is no customer service number for Equifax , so I am stuck.