23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I previously had a numerous amount of debts with this company and they were resolved back in XXXX. I received a new letter today XX/XX/XXXX advising me about a debt from XX/XX/XXXX {$360.00} XXXX number : XXXXwith XXXX XXXX. Currently listed at the Aargon Collection agency in NV. I called the representative said all my other debts were resolved. And this one in particular is FRAUD! Ive NEVER lived at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX so this utility bill from XXXX XXXX would not be mines. I would like it to be deleted as I dont need fraudsters trying to screw my credit that I worked so hard to fix up! I would like to report this as fraud and want it to be removed ASAP! 

Ive attached supportive documentation showing a letter from XXXX providing this debts were resolved back in XXXX! Ive also attached the new letter to this claim!
Product: Debt collection

I called ahead to ensure pre-auth by my insurance for XXXX XXXX ( I had treatments onXX/XX/XXXX and XX/XX/XXXX ) and was told we had 40 visits each per year covered by insurance. 
XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ( XXXX ) XXXX Fax I got a bill from XXXX XXXX in XX/XX/2017 and contacted the clinic manager XXXX XXXX and XXXX XXXX XXXX repeatedly ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand again in XX/XX/XXXX ) and they assured me it would NOT go to collections and they were confident insurance would cover. My last correspondence from XXXX XXXX was that my account was paid in full and not to worry ( XX/XX/XXXX). 

I then got a notice from the XXXX XXXX XXXX XXXXt ( debt collector ) for {$410.00} on XX/XX/XXXX( notice datedXX/XX/XXXX ) I have wasted endless hours calling and emailing and was reassured every single time. I have written notice from XXXX   XXXX  that they will NOT send to collections. 
There was a delay by insurance to cover it as it was submitted properly Here is the dispute letter I sent to the debt collector ( name and identifying info removed per your policy ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PA XXXX Re acct XXXX Amount {$410.00} Dear Sir, I am responding to your contact about collecting a debt. You contacted me by mail on XX/XX/XXXX( date on letter wasXX/XX/XXXX ) and identified debt as {$410.00}. 
I do not have responsibility for the debt youre trying to collect. I have had written communication from XXXX XXXX XXXX ( XXXX XXXX and the clinic manager XXXX XXXX ) that this was covered by my insurance. 
If you forward this collection to another company, please indicate to them that it is disputed. If you report to a credit bureau, also report that the debt is disputed. 
Thank-you, Cc XXXXXXXX XXXX XXXX XXXX, fax ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

CEASE AND DESIST OF UNAUTHORIZED FRAUDULENT REPORTING PART 2 THIS IS FROM XXXX XXXX XXXX ) Please send the original application 2 ) The beginning date and ending d ate of the contract 3 ) The last date this debt received a payment. 4 ) What's the insurance amount on this contract/debt 5 ) Copy of my written signature & a photocopy of my ID, and my SSN card. 6 ) Please send the application that shows I gave anyone person permission to use my name or Information to report on my consumer report. I don't recall giving consent to put these accounts on my report. XXXX ) Also send me copies of ALL XXXX warning letters that the creditor sent to me if this was my debt and to rectify this debt. XXXX ) Send me a copy of the Forward Flow Agreement XXXX ) Copy of my Bond and the highest Bond Bidder associated with these debts. It's a violation to report anything on my consumer report. I didn't give you written consent remove it immediately this is identity theft per code 15 USC 1681 B permissible purpose. All rights reserved Ucc 1-308 XXXX XXXX XXXXXXXX XXXX XXXX I XXXX XXXX XXXXXXXX., I'm a natural person and this dispute etuspdi isn't coming from a XXXX " party I recently received a copy of my consumer report and I noticed there are XXXX accounts that are posted on my consumer report. I'm requesting that these accounts be removed from my consumer report. Per law 15 U.S. Codes 1681a - Definitions : rules of construction | U.S. Code I US Law I Legal Information Institute. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; SEND REQUESTED DOCUMENTS OR delete these accountS : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Status of Accounts XXXX XXXX XXXX Status Derogatory XXXX XXXX XXXX XXXX Status Delinquent - Payment 60 days overdue XXXX XXXX XXXX Status Derogatory XXXX Status Good XXXX XXXX, XXXX Status Good XXXX XXXX XXXX XXXX Status Good XXXX XXXX XXXX  Status Good XXXX  Status Good XXXX XXXX Status Good XXXX XXXX Status Good XXXX XXXX Status Good XXXX XXXX  XXXX Status Good CLOSED ACCOUNTS XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Status Derogatory XXXX XXXX Status Derogatory XXXX XXXX XXXX  Status Derogatory XXXX XXXX XXXX XXXX  Status Derogatory XXXX XXXX XXXX Status Delinquent - Payment 90 days overdue XXXX XXXXXXXX XXXX XXXX  Status Derogatory XXXX XXXX XXXX XXXX XXXX Derogatory XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Payment 120 days overdue XXXX  Status Derogatory XXXX Status Derogatory XXXX XXXX XXXX Status Good XXXX XXXX XXXX XXXXXXXX Status Good CAPITAL XXXX Status Good XXXX XXXX Status Good XXXX XXXX XXXX / XXXX Status Good XXXX  XXXX XXXX / XXXX Status XXXX XXXX XXXX XXXX Status Good Reporting erroneous derogatory remarks and late marks REQUEST TO CORRECT THE RECORD under Authority 31cfrq 1.21j 5usc 552a ( d ) ( 2 ) ( a ) ( b ) TIMELY RESPONSE ; WILLFULL NON COMPLIANCE TO CORRECT SAID RECORD WILL RESULT IN LITIGATION. 

Bureaus After reviewing a copy of my personal credit report, I have come across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame.

Below are the errors I have identified : Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 
XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your XXXX XXXX. 
XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$940.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$3700.00} Needs Attention Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to the permissible purpose of credit inquiries, specifically soft and hard pulls, as outlined in FCRA Section 604 and USC 1692 s- ( b ) 2.
Product: Student loan

I am still trying to obtain information to the law that is consistently referenced in correspondence regarding my XXXX XXXX XXXX XXXX  Loan. In my original master promissory note, which is still held, it explicitly states that if we are not eligible for an income based repayment plan, that we can be switched to a Direct Loan. ( See attachment below ). It also states that if both parties are eligible for forgiveness, then we are eligible for forgiveness. If the terms of this master promissory note have changed or if a new contract was signed, we have no recollection or reference of that. I would like to know the SPECIFIC law that states that my loans can not be reconsolidated. Id like proof in policy that states that I can not be switched to a Direct Loan which would allow me to be put on an income based repayment plan.
Product: Mortgage

This is a follow up on my previous complaint XXXX. 

We have a mortgage with Caliber Home Loan ( https : //www.caliberhomeloans.com ), account number XXXX. The mortgage consists of loan and escrow accounts both. OnXX/XX/XXXX, the loan officer XXXX XXXX informed us the escrow amount was wrong. The overall monthly payment should be {$5900.00}, down from the wrong number {$7100.00}. Therefore the monthly mortgage I paid is {$6000.00} from XX/XX/XXXX. However Caliber home loan does not update its system and think we are short of the monthly payment. The consequences are : 1. Our payment balance was messed up, both the loan and escrow account balance by wrong late fee and penalties which caused by Caliber itself. Please refer to the attached account payment history. According to my calculation, till XX/XX/XXXX, my loan balance should be {>= $1,000,000} and escrow balance is {$7000.00}. But Caliber shows the loan balance is {>= $1,000,000}. escrow balance is unknown. 2. Caliber careless mistake leads to both my husband and my credit score sharply drop from XXXX level down to XXXX level. 3. On XX/XX/XXXX, Caliber sold the loan to central loan administration and report ( XXXX ), and passed all the wrong information like escrow amount, loan balance and escrow account balance to XXXX. Although Caliber promised to fix it for us, one month after the transaction, the mistake in XXXX has not get corrected. The record from XXXX still shows our monthly payment is {$7100.00}. After the loan selling to XXXX, CALIBER did not inform us to pay XXXX afterwards. Without the right payment information, we paid our XXXX mortgage {$6000.00} to Caliber still. Although Caliber claimed that it forwarded the {$6000.00} to XXXX on XX/XX/XXXX, XXXX has not received it ever since. When both XXXX and us asked CALIBER to provide the express mail tracking number and check number, CALIBER just could not come up the numbers. 

Upon our earlier request to CALIBER on the closing statement and update both loan and escrow balance, we received the update on the escrow account today. It does NOT update anything at all, it does not adapt the new monthly escrow amount of {$1200.00} but using the wrong {$2400.00}. The XX/XX/XXXX payment does not show on payment history. The right escrow number for XXXX and XX/XX/XXXX should be {$1200.00} *2 = {$2500.00}. 

How careless and arrogant can a company be by totally ignoring the customer 's request?! When we pointed out there was error on the payment history, they update us with the wrong and current history AGAIN, as a response?!
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. 

Account name : XXXX XXXXXXXX Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX  XXXX Account number:XXXX  Account name : XXXX Account number:XXXX has violated my rights. Or 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: Debt collection

The company began calling in XX/XX/year>. They called XXXX times A DAY. When I tried to call back, no answers or voicemail. Finally, spoke to someone. I stated I never received any communication and needed it to be sent to me. She proceeded to yell at me that I was just trying to get out of the debt. She asked who worked for vitamin shoppe and said shed be calling them next. Then hung up on me. Several times I said I simply wanted the information sent to me and I had the right to validate it. I called back and asked to speak to someone different. They confirmed my address ( as I had moved and they could see that and my mail was forwarded ). She said it would be sent. Still I havent received anything. I have received no letters. I have received no documents that I have requested. The harassed with phone calls XXXX times a day. They XXXX XXXX  call employers. But yet they will not mail me ( or any of the co-signers ) documents requested to verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, In accordance with the Fair Credit Reporting Act Section XXXX ( XXXX U.S.C. XXXX ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I have disputed this inquiry, several times as I have not applied for services with this company. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX. XXXX XXXX XX/XX/2022 I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.
Product: Debt collection

This complaint concerns a debt that Midland Credit Management is attempting to collect on behalf of XXXX XXXX. Before this debt was reported to my credit file, Midland failed to provide me with an opportunity to settle it. I was unaware of the debt until it appeared on my credit report as a collections account.

I have submitted an inquiry to Midlands Compliance Officer regarding this issue but have not received a response. This lack of communication and failure to notify me beforehand constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX collection accounts on my credit report with Experian. The dispute was submitted on XX/XX/2020. On XX/XX/2020 I received notification that my dispute was complete. The dispute results were updated however there were no updates made to either account. The amounts reported on my credit report for both collection accounts is wrong for both accounts. One account is reporting an amount of {$850.00} as the current and original balance, this amount was never the balance of this account and this account has since been paid to the original creditor. The other account is reporting a balance of {$870.00}, again this has never been the correct amount due to this account. I had requested that if these accounts could not be verified that they be deleted from my report as required by the fair credit reporting act. Since they completed the dispute and did not correct the information I called and spoke with a dispute specialist who reported that I can provide documentation to support my claim and the information would be updated not deleted and it is up to the collection agency if they are going to delete the items off my report. This goes against the fair credit reporting act as they are reporting inaccurate information and reported that they verified the information which they could not have seeing as it is inaccurate.
Product: Mortgage

This loan closed as a short sale with XXXX XXXX XXXX on XXXX/XXXX/16. The file closed, XXXX XXXX XXXX was paid, there was no money owing to them. Then recently the loan was transferred/sold from XXXX to Selene Finance. The loan should not have been transferred. Selene is now contacting the seller requesting payment and have not confirmed that the loan is paid. They are threatening foreclosure too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 

several inquires and application has been applied using my personal info i did not give consent nor did i give consent to open any accounts or loans
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

XXXX I XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date : XX/XX/XXXX UNTD WHLSL ACCOUNT # XXXX XXXX United Wholesale Mortgage ( UWM ) - Mortgage lender in XXXX XXXX Michigan Address : XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX Phone : ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$680000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX History XXXX XX/XX/XXXX ; XXXX Late Dates : XXXX XXXX XXXX ACCOUNT ; ACCOUNT TRANSFERRED OR SOLD Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following account ( s ) on the following date ( s ) : Late Dates : XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. This account was sold to XXXX XXXX XXXX after the late was reported during the transfer XXXX XXXX have send the request to have it removed it still show after the removal Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX I XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : mail CFPB FTC Office of State Attorney XXXX XXXX XXXX XXXX XXXX XXXX 
Office Of State Attorney XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. View Map Main Number : XXXX. 
[ Please ensure to fill in the placeholders with the appropriate dates, personal information, and creditor details before sending the letter. ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank and XXXX XXXX pulled my report without, y consent. I did not authorize this to be done.
Product: Checking or savings account

XX/XX/XXXX of XXXX I've contacted CitiBank regarding an old account that I had no knowledge of it and now showing on my credit report and drop my credit score by 68 points during the process of getting a mortgage loan. Since there is an urgency I just wanted to pay it off/ settled, so they directed me to XXXX XXXX XXXX XXXX who was handling the account for CitiBank . 

The Balance was {$2300.00} and they agreed on accepting {$1500.00} as settlement in full if paid on that day XX/XX/2020. Attached is the settlement letter they emailed me and how to make the payment and that once paid they will let CitiBank know so that they can report to all credit bureau as paid. I made the payment of {$1500.00} the same day ( Confirmation screenshot attached ) as agreed. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX ( Attached letter ) thanking for accepting the settlement of {$1500.00} in full however it was still showing a balance of {$830.00} which was the difference from the total balance. This should had said {$0.00}. 

On XX/XX/2020 CitiBank reported the balance to XXXX as {$830.00} instead of paid in full. This is NOT what was agreed upon and have all the proof. As a result our mortgage approval is on hold until this gets cleared up as paid on all 3 credit bureaus.