23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am reaching out to request your assistance regarding a distressing situation I am currently facing with debt collection. 

Recently, I gave birth at XXXX XXXX XXXX University Hospital and, prior to my hospitalization, I took the necessary steps to confirm that my health insurance with XXXX XXXX would cover all expenses related to my pregnancy and delivery. Both XXXX XXXX and the hospital confirmed my coverage ; however, several months after my child 's birth, I received an unexplained bill from XXXX XXXX XXXX XXXX. 

I have made multiple attempts to seek clarification on this bill by contacting the hospital directly. Unfortunately, I have yet to receive a valid explanation regarding the charges. Each time Ive called, I was promised a call back, but that follow-up has not occurred. I even expressed my willingness to establish a payment plan to address the bill, as I am currently not financially stable due to my recent childbirth and time away from work. However, my inquiries have gone unanswered for an extended period. 

On XX/XX/year>, I received a call from a debt collection agency named Certified Solution, informing me that they are now handling this alleged debt from XXXX XXXX XXXX XXXX. During the call, I attempted to explain my situation to the representative. Unfortunately, the representative was uncooperative, refusing to acknowledge my right to dispute the debt within the XXXX timeframe as mandated by law. Despite my requests to initiate a dispute with the hospital, it felt as though my concerns were dismissed, and the representative was exceedingly rude and unsympathetic. 

Given this frustrating experience, I believe it is unjust for my child 's account to be sent to a collection agency without proper communication or explanation from XXXX XXXX. I feel that I have been treated unfairly, and I am seeking help in resolving this matter. 

I kindly ask for your assistance in addressing this situation. Any guidance or intervention from the Consumer Financial Protection Bureau would be greatly appreciated as I navigate this difficult circumstance. 

Thank you for your attention to my request. I look forward to your timely response. 

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXXXXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Student loan

XXXX NAVIENT Complaint To whom it may concern, NAVIENT Called me today. It seems that my conversation with them last Friday, XXXX XXXX, XXXX was not documented XXXX XXXX, I made my first-ever payment to the NAVIENT department online, I also set up a direct deposit account as well. This would ensure my payment would be met, on time, each month. 

Friday, XXXX XXXX, XXXX, at XXXX, I answered my phone to a woman representing the NAVIENT department. The woman was calling to inform me that I had missed both XXXX and XXXX payments and that I was delinquent. I told her I would be able to pay the full amount on XXXX XXXX, in full. We agreed this would be best. She than directed my phone call to an automated message stating the terms and conditions of forbearance on my student loans. After the recording finished, the womens voice returned and she asked me if I agree to the terms and conditions stated in the automated voice message, I said No Way. We both agreed that it would be best to not forbear my loans and that I can pay the full amount in XXXX. 

Today, Tuesday, XXXX XXXX, XXXX, at XXXX, I answered my phone to a different woman representing the NAVIENT department. The woman was calling to inform me that I had missed both XXXX and XXXX payments and that I was delinquent. I told her I would be able to pay the full amount on XXXX XXXX, and I also talked with another representative of NAVIENT last week. She then told me that her college must not have taken these notes and that therefore she is calling today. 

We both agreed that it would be best to not for bare my loans and that I can pay the full amount in XXXX, only this time, I told her I do not, in any way, agree to for bare my loans, She stated, If you do not forbear your loan it will look much worse than if you were to just for bare them until you can pay the full amount!. Again, I told her No and No again! She kept trying to get me to agree to the stupid forbearance. 
Finally, she ended the conversation with, Fine if youre not willing to forebear your loan than we will continue to call you every day until you pay in full, I said, Fine, and we were disconnected. 

I set up AUTO Pay in XXXX, after checking my account today, while on the phone with her, I was presented with a screen stating, my loans were not eligible for Auto Pay. 
As I write this, I am watching my account, and it has been pushed from In Grace to Past Due. 

This is not okay, I should not be past due, I should not be bullied into placing my loans in forbearance! 

Respectfully, xxxx
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX, it seems necessary to eliminate any erroneous entries from my credit report. Can you verify the paperwork? Several of the mentioned accounts appear to contain inaccuracies in terms of reporting, including erroneous amounts and dates.
Product: Mortgage

My mortgage company says I'm 2 months behind on my payments when twice I have payed on the XXXX of XX/XX/2021 and XX/XX/2021. They sent my payment to the wrong account noted that it was their mistake and processed the payment. A week later I get a letter stating I owe for the last month and this month and also I late fee. I called them on the phone and was told it should have been fixed and someone deleted the work order off my account and did not update it. They said they were sorry for the error and would fix it. The next month I make a payment, which is XX/XX/XXXX, they tell it late and reported it that I didn't make any payments and that I'm late for both payments. As of right now I have a statement stating I still owe XXXX. Which I should be current at this point in time. All attempts to get them to fix my account and rectify the credit reports and late fees have been so far not happened.
Product: Credit reporting or other personal consumer reports

Hello, Im writing this letter to request an update to the status of my account with XXXX. Please mark the following transactions as Paid as Agreed. The coding on the accounts shows up as " closed '' collection accounts even though they never went to collections. Please update the reporting as we are in process of purchasing a home and it is delaying the underwriting process. 


Loan ID Numbers : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a debit Validation Request XX/XX/year> Midland Credit Management XXXX XXXX Account number ( XXXX and XXXX ) To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) for accounts 1 Provide breakdown of fees including how you calculated what you claim I owe.

2. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt 3 Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA Send me proof that you are licensed to collect debt in my state 4 Send this information to my address listed above 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.

5. Proof that you are licensed to collect a debt in the state of Virginia for the purchase of this debt that I do not owe to Midland Credit Management.

6. A copy of the forward flow agreement related to the accounts in question.

7. The chain of assignment agreement for both accounts, demonstrating the transfer of ownership and the legitimacy of the debt. 

I am writing to formally dispute the validity of the debts associated with the accounts referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the documentation mentioned above. 

According to 26 CFR 1.6050P-1, entities that discharge indebtedness must provide a statement to the debtor, typically in the form of a 1099-C, by XX/XX/XXXX of the year following the identifiable event. This requirement is crucial for accurate reporting to the IRS and for the debtor to understand their tax liabilities. As of today, I have not received a Form 1099-C or any substitute statement that complies with the current revenue procedures. This omission constitutes a violation of the information reporting requirements outlined in the aforementioned regulation. I kindly request that you provide me with a copy of the Form 1099-C for the discharged debt. Additionally, I would like to formally dispute the charge-off on my credit report until this matter is resolved Sincerely. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureaus Accounts Disputed Listed Below : XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX 

XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX. 

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! 
Thank you, XXXX XXXX
Product: Debt collection

First I sent a request to XXXX to remove a Collection that was filed without notifying me about this issue. They did not remove the collection. 
them I contacted the Collection Agency Collection Bureau of America Just because I sent them a letter to remove the collection they immediately stated that they have verified such collection because I communicate with them. 
they sent me a letter that I owe them {$310.00} they did not pay attention to my letter where I am stating the inaccuracies and discrepancies XXXX fail. 

According to Sect. 623 of the Fair Credit Reporting Act states after you dispute with the Bureau you have the right to ask Creditor all the Documents that were provided to XXXX to prove their claim. I did not get such verification instead they sent me an itemized bill? 

I am disputing this debt because I do not owe it, back in XX/XX/XXXX I made payment arrangements directly with the company I made business with which is XXXX XXXX XXXX XXXX XXXX XXXX we agreed to settle this debt for {$220.00} which I did pay the records show that they received the payment however they Re-Sold the debt to a third party collection company. 

Also, I notify Collection Bureau of America that this debt was settled the same year back in XX/XX/XXXX, therefore, they are in Violation of the " Debt Collection Statute of Limitations '' which is 4 years for written contracts in the state of California the debt was settled in XX/XX/XXXX it is 4 years. 
Collection Bureau of America fail to contact me back when they got the collection Re-Sold to them, to my address in XXXX XXXX I live there in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX since XX/XX/XXXX to XX/XX/XXXX creating an Injury to my Credit Report and My Credit Score under FCRA sect. 604 ( A ) ( 3 ) in the hopes of keeping Negative Information in the Credit Bureau Longer under FCRA sect 605 ( c ) running of the reporting period.
Product: Debt collection

Company contacted my parents, in-laws, etc to attempt to settle a pending legal action regarding a debt my wife owed. They recited my wifes personal identifying information and included her SS number. They claimed they were collecting a debt that my wife had settled in 2008. They included a paper that indicated their agency was called XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia with a phone number of XXXX ( XXXX ) XXXX. XXXX searches seem to point towards this number being report as a scammer. I am reporting this because the company seems legit enough to know my wifes SS number and old prior state drivers license number.
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote a letter to equifax and sent it via certified mail tracking XXXX on XX/XX/2022 it was received detailing several accounts listed wrongly most importantly my child support was listed as delinquent and it has never been i provided my case no and proof of pay stubs that the court ordered payments taken directly from my salary and paid out to the mother of my son weekly. I have shared custody and gave them all details so they can report it correctly still nothing was fixed and noone has responded. this is causing my rate for a mortgage i applied for to be higher than necessary. The discrepancy is financially hurtful and offensive.
Product: Debt collection

I am writing this letter to address a matter of utmost importance concerning the inaccurate and unjust reporting of my credit information by your agency. I demand your immediate attention and action to rectify this situation in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX - TU have already removed this account from their records. There was an error present & they were able to find it. I'm confused howyou 've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have previously brought to your attention the incorrect information that your bureau has included in my credit report, which is in clear violation of the FCRA. Despite providing you with the necessary documentation and evidence to support the inaccuracies in my credit report, I have not witnessed any substantial efforts from your end to resolve this matter. 
The FCRA stipulates that credit reporting agencies must promptly investigate and correct any inaccuracies upon receiving a dispute from a consumer. I have fulfilled my obligations by providing you with clear and convincing evidence of the erroneous information on my credit report. However, your agency 's failure to take corrective actions within the prescribed timeframe is a direct violation of my rights under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my credit report from Experian on XX/XX/XXXX, i observed they had marked me late on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX. I contacted menards on XX/XX/XXXX and spoke with representative and she advised my account was only 15d late not 30d and that she would submit a dispute on my behalf for this to be corrected. I contacted Experian and inquired why it was marked 30d and was advised they do not have 15d late only 30, 60, 90 and 120d. Since they did not report 15d late they just made it 30d and reported same on my report. This act was of unproffessional, deceptive, fraudulent and inaccurate and should have never happened. This is not acceptable and was the cause of obtaining other credit approval. I disputed the same with them to remove as the account was not 30d late and that they documented fraudulent and inaccurate information on my file, causing my credit score to drop. Unacceptable.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Office of Complaints XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against FOX COLLECTION agency for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am disputing the validity of account number XXXX, which FOX COLLECTION has placed on my consumer report without providing the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been given the opportunity to dispute this account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

Furthermore, FOX COLLECTION has engaged
in false, misleading, and deceptive practices in their collection attempts. They have no authority to furnish this account to consumer reporting agencies without providing the necessary disclosures required by law. This is a clear violation of 12 CFR 1006.344 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ).

I am disputing any and all alleged debts to FOX COLLECTION and revoking their authorization to communicate with me via email, text, or phone calls. 

I am requesting the following : Debt validation and verification A copy of the purchase agreement between FOX COLLECTION and the original creditor Proof that FOX COLLECTION is licensed and bonded I believe that FOX COLLECTIONs actions are unlawful and harmful to my credit standing. I request that the CFPB investigate this matter and take appropriate action against FOX COLLECTION. 

Enclosed are copies of relevant documentation to support my claims. 

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

I disputed on XX/XX/XXXX to XXXX, XX/XX/XXXX, and XXXX. however it's been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX, it seems necessary to eliminate any inaccurate accounts from my credit report. Can you please review the documents? Some of the listed accounts contain inaccuracies regarding reporting, such as incorrect amounts and dates.
Product: Checking or savings account

On XX/XX/XXXX I had been offered a job, which ended up being a scam. I was told to deposit a check, which I was at the time unaware was a fake check. Into my wells fargo checking for supplies I would need to work from home. They told me to send on over the money via XXXX to pay the vendor for the computer supplies I would need for the job I was just hired for. I found out that day that It ended up being a scam. I read a post on the XXXX  website very similar to my situation for the same company they used. I immediately contacted my bank to let them know of my concerns. It was not too long after I had sent over the four XXXX payments. I thought I was going to receive these supplies. I filed claims for the check and the four XXXX  transfers. This has gone on for weeks now. I talked to every department at wells fargo, escalating it as high as I could, constantly being transferred from one person to the next spending hours on the phone with them, on hold, etc. I lost out on {$1300.00} dollars and they overdrew me by {$600.00}. My account has been negative. I changed my account asap, but that didn't stop the check from taking the money out of my new bank account. Since it was fraudulent. The associates at wells fargo were rude and lecturing me multiple times and shaming me for using XXXX and warning me about sending money through XXXX. When I didn't know I was being scammed. They didn't give me provisional credit either. I also filed a police report and filed with the FBI about this. I am still waiting for wells fargo to let me know If I will get all my money returned since they closed out all my claims, saying they weren't considered fraud it was a scam, and there wasn't any bank error ( when they know it was fraud ) They said there are no guarantees that I will get my money back. I have good credit and this has never happened to me before, I have been with wells fargo since XXXX. Please help me, as that was the only money I had left, as a single mom of XXXX. Who was just trying to get a job and got scammed. Wells Fargo has all the info and I am waiting for the Executive Office for the complaints department to get back to me by XX/XX/XXXX.