23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally file a complaint against Midland Credit Management Inc. This company is trying to collect a debt on an old credit card for {$1700.00} the original creditor is XXXX XXXX XXXX. XXXX XXXX XXXX  charged off the account. 

Background The account in question was charged off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors must issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, which I have requested and still am waiting to receive a 1099-C from the original creditor. 

I have verbally and written the consumer Midland Credit Management Inc. that I refuse to pay the debt as well as to stop all communication through phone, mail, text, and email. The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law. Midland Credit Management Inc. inquired this debt and is now reporting it on my credit report, which is causing a negative impact. 

Ceasing communication Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1692c ( c ). 
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except.to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting or other personal consumer reports

I Disputed the validity and Account status of Account Number: XXXX  with XXXX XXXX (Original Account holder) & XXXX XXXX  (Current Collection
Account furnisher) through certified mail on XXXX XXXX XXXX  This account was never a chargeoff and it should not be reported on my consumer report. I also received a signature of the
dispute via receipt through certified mail on XXXX XXXX XXXX. XXXX XXXX has NOT
responded to my dispute, nor has XXXX XXXX.
Product: Credit card or prepaid card

Discover Revolving credit card was opened fraudulently. I have disputed numerous times to have the account removed from my credit report. I have told them that my mail box has been broken into few times. An email was generated that does not belong to me. I need this fraudulent account to be removed from my credit report. seems like Discover is not understanding what is an identity theft. Thank you please help me to resolve this ongoing issue. Thank you
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX Card, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 an account without my written instructions.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I banked with current ( XXXX bank ) for about a little more then a year, used the account for everyday purchases and savings. On XXXX XXXX XXXX, I received 1 of 2 deposits from XXXX XXXX ( a emergency rental assistance program ) for approx {$14000.00} and one before that on XX/XX/XXXX for approx {$7500.00}. I waited months for this deposit and was finally able to pay my tenants rental debt off with the grant of emergency rental funds OR so i Thought. Because on XX/XX/XXXX, I get a message stating that current decided to close my account with absolutely no reason attached to this email, just a email stating they would close my account. I reached out to them regarding my 15,000 $ I had left in my available funds and have yet to receive any reply back. Its now XX/XX/XXXX and they refuse to answer any emails of mine, THEY BLOCKED MY PHONE NUMBER FROM CALLING THEM, they refuse to call me back and give me any feedback as to whats going on. They literally stole my money and are collecting interest as we speak. This is ridiculous and this is bank Fraud on their part. PLEASE HELP this is all the money I had to my name
Product: Mortgage

Problem with Lakeview Loan Servicing , LLC. Every year I have to send them proof of Insurance on the home that I have a mortgage on. I would not think this should not be such a problem. I have been there with my agent as he or she sends in the needed info. but things a getting lost in the shuffle at Lakeview Loan Servicing , LLC each year. last year they bought insurance coverage and billed my account until they found their goof. then credited back to my account. Now they sent me their second and final notice before they buy insurance again for me! we have sent them the needed info twice already. I have tried to call them several times today, can not talk to a person. Seems to me they want me to buy insurance only from their selected insurance company. HELP PLEASE! 

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

I reached out to the Avant , LLC . back in XX/XX/2022 when I discovered a credit card was on my credit. I informed the company that I never applied for this card and they informed me the card was opened in XXXX, PA which is not where I live. I live in California and have been for all my life. I informed the representative of this and she stated I would have to fill out the fraud affidavit and send it back. Someone from the Fraud department emailed me the forms and I filled them out with a police report number. I was informed a few weeks later that I had to have the document notarized. I notarized the document and sent it back to them in XX/XX/2022. Since sending this update to them, I have not heard anything back from their department as of yet. I have been calling and talking to representatives of Avant , LLC . but not to an actual person in their fraud department. They inform me that the only contact is through email only. I have emailed the department every week for the past four months and still to this day have not heard anything. My credit score has dropped from XXXX to XXXX in the past four months due to the negligence of the company not responding to my request to take this off my credit. They have put a 30, 60, and 90 day late for charges that I did not do. The charges are currently at {$750.00} which the credit card was opened with a balance of {$500.00}. The person who opened this account overcharged the card by {$610.00}. I have in the past two weeks informed the Avant , LLC of this issue and informed them that I wanted a letter to provide to my lender since we have been in the process since XX/XX/2022 to purchase a home and with my score dropping as low as it has needed a letter to take this derogatory mark off my credit. This should not be on my credit, please advise how this issue can be resolved.
Product: Mortgage

My home mortgage loan was sold in fall XX/XX/XXXX by XXXX. I was directed to send payment to XXXX, which I did for the XX/XX/XXXX payment. I have the cashed check copy and evidence of my account being debited. Then I was directed to send payments to LoanCare. I have sent in all payments and have not missed any months. 

LoanCare will not recognize this payment and sends delinquent notices, saying I am behind on my mortgage payments, which I am not. Since XX/XX/XXXX to present, I have twice called LoanCare customer support to resolve this. Each time I was instructed to fax an explanation, copy of cashed check and my account debit page. I have done this twice now. When I call the customer service line, they have no information regarding any of this. 

I sent a letter ( copy can be faxed ) regarding this, with the above information again enclosed to LoanCare on XX/XX/XXXX. I asked for the payment made to XXXX to be acknowledged and my account to be remedied. no reply. 

I received another delinquent notice on XX/XX/XXXX. I have made every payment every month.
Product: Credit card

I have been trying to close The Self Lending card for six months and the only way to close it is to call a number and no one ever answers the phone. 
Now they are charging me late fees and reporting me to credit bureau.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Student loan

I have late payments reported on my student loan account that shouldnt be there because i had forbearance during all of the late payments that are being reported, i would really like to have this fixed before Fedloan shuts down and switches to the new servicer. They also never offered me to do the rehabilitation they always requested me get a forbearance me not knowing my loan was increasing tremendously during the time of all the forbearances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So, basically Penfed Credit Union isn't honoring the removal of a credit card I paid in full in settlement offer of {$4500.00} with XXXX XXXX XXXX XXXX XXXX. It's damaging my credit score for awhile now. I disputed it to all 3 credit bureaus multiple times but no changes were made in deleted or correcting the payment status and account status on XXXX, XXXX, and XXXX. 2nd offender is XXXX XXXX XXXX XXXX they are not updated my balance on account on all 3 credit reporting agencies at all. After I called them too many times to remember, but kept the call logs of on me calling to explain. XXXX XXXX XXXX XXXX XXXX have not updated my credit report on XXXX, XXXX, and XXXX  neither after I paid in settlement deal. They are hurting ym credit score bad by not reporting to the credit reporting agencies since XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me out with this problem. Back in XXXX of this year I file disputes with all XXXX credit bureaus. I find it unacceptable that I havent got any response from any of them. I understand things have gotten slow since covid start but this is crazy to be almost XXXX months and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting inaccurate information for close to two years. After disputing 2 years of payment history with XXXX, Transunion and XXXX nothing has been resolved. XXXX has violated my rights of the FCRA many many times and the credit bureaus are failing me as a consumer to enforce this company to report accurately.
Product: Debt collection

I was contacted by XXXX XXXX at XXXX XXXX XXXX advising they were trying to collect on a debt of mine prior to it going to garnishment status. XXXX XXXX stated what the debt was for my green XXXX that had gone back to the bank, and this was for remainder of debt. She advised I could make a lump payment and set up payment arrangements my debt would not continue to garnishment status. She advised that I needed to pay {$540.00}, and payment arrangements for {$220.00} monthly to keep debt out of garnishment. I advised XXXX XXXX I was off on XXXX XXXX XXXX at the time but would try to see if I could get money together. XXXX XXXX called back following week to inquire about payment. OnXX/XX/XXXXI authorization a payment of {$540.00} against my debt on XXXX She advised she would call back next month to finalize payment arrangements, as I might have a better idea when I would be back to work. Approximately 2-3 weeks later I received paperwork to go to court concerning debt. I called lawyer on lawsuit who advised that they have not received any money against debt. I gave her information, and she advised that they do not use outside collection agencies, and it was likely fraudulent. I contacted XXXX XXXX who said " it has n't even been 30 days, I do n't know why that would happen ''. She advised it may have possibly been because payment arrangement was n't finalized. She asked for lawyers name/number and advised she would call back. Received no call back, so called company back. XXXX advised XXXX XXXX was not in, and she would leave message for XXXX XXXX. She also advised that sometimes these companies do not know who collects for them. I called XXXX XXXX XXXX XXXX several times, in which I was told message would be forwarded to XXXX XXXX supervisor. Called several more times with no answer. Finally reached an associate XXXX on XXXX/XXXX/XXXX he advised I needed to talk to the payment department and transferred me. I called daily from that point on with no answer. I contacted my bank and advised I needed a dispute form. During that time I moved, and dispute form was misplaced. Bank sent letter advising dispute was closed. I contacted bank and asked for new dispute form and changed address on record. Did not receive new dispute form. Contacted bank again who advised that I needed to come in to branch to file complaint. Contacted bank to check on status of dispute. Bank advised too much time had passed and could no longer pursue claim. Payment was listed as going to XXXX client services in XXXX, GA. The phone number for XXXX XXXX XXXX XXXX was XXXX XXXX XXXX XXXX which is now disconnected.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in those account 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 21 days before the payment due date. 


XXXXXXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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: Money transfer, virtual currency, or money service

I want to file a complaint against cash app due to inappropriate customer service and unfair practices that violates the consumer financial protection act. Cash app failed to take the time and appropriate measures to prevent and address fraud on their platform while leaving my account open, vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the electronic fund transfer act and regulation e. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than XXXX business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again, XXXX XXXX Balance : {$320.00} XXXX XXXX Date of inquiry : XX/XX/XXXX ;
Product: Mortgage

I have been asking for mortgage assistance since XXXX XXXX. My account manger was non-responsive and I did not receive any update until early XXXX, when I was contacted by XXXX XXXX, AVP of servicing. She stated that my account manager was no longer with the company but had no idea why my new account manger had not been in contact with me. He finally was able to reach me by phone in mid XXXX and despite multiple requests to contact me via email, refused to do so until last week. 

I have finally received a determination from Fay Servicing and find it completely unacceptable. They will not offer ant loan modification arrangement other than the option to short sale the home, an option which is not going to work for us because we are severely under water- we 've owned the property for 10 years and it is worth less than we paid for it. It should be noted that I did not receive this notice from Fay Servicing, I received it via complaint I filed with the BBB- and the letter has the incorrect address on it, indicating the account manger did not change the address as he stated. 

I am a XXXX XXXX XXXX XXXX, previously worked for the XXXX XXXX XXXX as a XXXX XXXX XXXX serving overseas in hardship posts such as XXXX and XXXX. We had always made our payments on time until XXXX XXXX when our tenants decided to break their lease and we were unable to find new tenants in a timely fashion due to the housing market in our area. We have since secured new tenants and fully expect to be able to pay our mortgage on time, we are simply asking that the balance from the missed payments be added to the mortgage and that the late payments be removed from our credit report. This is necessary because I have a XXXX XXXX XXXX for my job and a poor credit rating puts me in danger of losing it, and my job. 

This is a serious matter which we believe has not been taken seriously by Fay Servicing and if we are not provided adequate assistance we will have no choice but to involve attorneys which we would rather not do. 

Please let me know if you need anything else, XXXX XXXX