23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Since XX/XX/2023, Kinum, a third-party agency begin reporting information on my credit profile. According to my XXXX, the original debt company name is XXXX XXXX XXXX XXXX XXXX Dba XXXX, an online college for multiple degrees. Im sending this compliant in compliance with 15 USC 1692c ( b ) and ( c ) that clearly states ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication 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 ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) 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 ( XXXX ) 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. 

This company has not responded back to the original request for original documentation of original debt. Also, the amount stated, on my credit profile, is inaccurate and requires further evaluation. This company has not provided me with an account number, beside off of my XXXX, Account number # XXXX. I have no knowledge of this account, nor is the company responding. It has affected my credit drastically, Im unsure of this debt or even company besides what I got from XXXX. Thank you kindly for the assistance to evaluating and assessing this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have ask XXXX, TRANSUNION, XXXX  to look into these accounts that was opened in my name without my consent this has set my life on whole when i never sign for any of these account they need to be remove
Product: Money transfer, virtual currency, or money service

Two transactions occurred on XX/XX/year>. The first was in the amount of XXXX, and the second was for XXXX. Both were from my savings account in Chase Bank, and I had received fraudulent alerts from XXXX. However, I was told to close the original account where the money was stolen and open a new one.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Product: Mortgage

My principal on my house went up by XXXX since my last payment of XXXX. I have had no late payments for over two years. How could the principal go up when I am paying over the minimum due?
Product: Mortgage

Re : Loan Re-modification letter and contract approved XX/XX/XXXX Subject : Significant questions regarding our loan re-modification contract My wife and I complied with the terms of the trial period modification and made all payments from XXXX thru XX/XX/2018. On XX/XX/XXXX, we received a loan modification agreement from Seterus to review and sign. 
I called the number that Seterus provided ( XXXX ) on XX/XX/XXXX to obtain answers to some significant questions that my wife and I have with this agreement. 
My call was answered by XXXX XXXX, an agent from the call center in North Carolina. XXXX was unable to answer my questions so I asked to speak to a loss mitigation representative. She told me that the loss mitigation representatives do not talk directly to customers. 
XXXX then told me that I needed to document my questions and fax them to the Correspondence Department for answers and that they normally take 30 days to respond. 
I advised XXXX that I must return the signed agreement by XX/XX/XXXX and that I need these questions answered prior to submitting a signed contract and could not wait for a response from the Correspondence Department. 
I then asked XXXX to escalate and that I wanted to speak to her supervisor/manager. XXXX stated that her supervisor, XXXX XXXX, was busy with another customer but would contact me the following day ( XX/XX/XXXX ). 
I documented my questions and faxed them to the Correspondence Department with the number she provided. I never received a call from XXXX XXXX on XX/XX/XXXX. 
My current maturity date is in twelve years and the agreement from Seterus is an extension for 40 years. I would like to know why we were not offered any other options other than this term extension.
Product: Credit reporting

I spoke with Equifax directly on XX/XX/2017 and advised the credit reporting agency that the reported website score was inaccurate. My Equifax score was almost XXXX points higher, per my current creditors, than what was being reported online. My credit scores for XXXX and XXXX are significantly higher than the information reported on the site, even with the discrepancy in the scoring models. XXXX utilizes that XXXX scoring model as well and reported a score over XXXX on all documented creditor/credit reporting sites. Equifax has no explanation for the inaccurate information and offered no remedy during my conversation on XX/XX/2017 with their representative.
Product: Checking or savings account

Notice sent on XX/XX/XXXX for my IRA account. 

When contacted they said my entire relationship is being terminated. Will not provide additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account because the acct is showing a balance past due. I made a payment to XXXX XXXX XXXX XXXX XXXX My account was transfer to them by XXXX however XXXX has not updated my account. The account is not paid in full as of XX/XX/2022. Please remove the XXXX account from all credit bureaus.
Product: Consumer Loan

I have been back and fourth with this company now for almost a year about removing his fraudulent account from my credit. I asked them to VERIFY this account with proof of my signature SEVERAL times and this final time I was asked by Bridgecrest for me to mail in copies of my license, social security card, and a Notarized Theft Affidavit which I did only to receive a letter a week letter requesting the SAME EXACT information ... I called Bridgecrest on today XX/XX/2017 and spoke to a rep that said that XXXX ( another rep ) at this company " verified '' my signatures matched on everything. This is the SAME information have been requesting for almost a year in writing which I KNOW is COMPLETE XXXX. Because this is a fraudulent account. I have done my part as far as disputes, Theft Affidavit 's, and reporting to CFPB. Bridgecrest can wash their hands with getting paid for this XXXX. account because it will NEVER happen. You should investigate better when something is being brought to your attention as well as hire people at your locations to do better jobs at verifying peoples identity " WE ALL DO N'T LOOK ALIKE ''.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft and that my personal information was compromised in the XXXX data breach and evolve data breach. As a result, fraudulent accounts have been opened in my name without my authorization. I have sent in proof to Experian PROVING THAT THE DEBT DOESNT BELONG TO ME FROM THE CREDITOR AND EXPERIAN STILL REFUSE TO PROPERLY INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS. 
Per my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting an immediate block and removal of the following unauthorized accounts from my credit report : Fraudulent Accounts to Be Removed : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The payment history of the US Dept Loan is reporting as late in XXXX  for several months. 
I did not give permission for US Depart/Ed XXXX to report anything on my consumer report. I did not opt in and I was NOT given a document to Opt out of reporting. which the law clearly states I have the right to have. this is against my consumer rights.

15 USC 6802b b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title Show, that such information may be disclosed to such third party ;
Product: Mortgage

We paid our XXXX payment through the mail and it was received and credited incorrectly by Mr. Cooper on XXXX. 
Our intent, as stipulated with the check of {$2700.00}, was that {$2000.00} was to be applied to our principal balance, and {$770.00} was the mortgage amount due. 
Mr. Cooper acknowledged receipt of the check, but after paying the mortgage balance, credited an escrow account for {$770.00}. 
All on XXXX. 
We have no escrow with Mr. Cooper. 
The balance of the {$2000.00} less {$770.00} was credited to principal. 
Repeated phone calls to almost ten representatives over the past almost two months resulted in assurances by them that it was being corrected, but never was. 
On Monday this week, XXXX, XXXX representative, XXXX did provide some satisfaction taking the XXXX payment and allocating it correctly. 
Today, XXXX, XXXX XXXX, ( name he gave ) was lying to us again and hung up.
Product: Mortgage

I had a home mortgage TD Bank, paid it off but kept the home equity loan open. The bank said we had to redo it differently into another home equity loan and we jumped through a XXXX hoops and got approved. I had a balance of $ 21K that was refinanced at a reasonable rate. Then we noticed that they were assessing us an addition $ 25/month. We called and they took it off, but it was there the next month. We called they took it off and said it should not be there, but again it was there this month. They have told us this charge was because our loan was below $ 20K, which it is not. We were never told about this charge and TD Bank is becoming hard to deal with. We pay the interest as part of the payback of the loan, I do not think this is legitimate to give people these underhanded charges. Your thoughts, please. 
PS : In the last conversation with TD Bank today they said this charge is for the checking account, and over draft coverage, not the home equity loan. I was not ever told that we would be charged and the person who set up the equity loan has left that bank. Is this legitimate to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I didn't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XX/XX/2017, I sent  goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved. 

I tried to get this issue resolved already by contacting the company directly and submitting a complaint to the CFPB directly. Both of those were unsatisfactory and I would like other entities to investigate this matter, if possible. I have documentation from a representative of XXXX stating that the late payment was refunded, therefore implying that the late payment is inaccurate and needs to be removed from my credit report immediately. Additionally, I contacted the company to be informed of their relief efforts of victims of Hurricane Harvey and was not given a direct answer. This is not proper customer service. 

Finally, their response of saying that they are unable to remove it is blatantly false and should be investigated. I have had other credit card companies able to remove the payments from the reports, so them saying they are unable to modify is incorrect. Please investigate this company and my matter to the deepest extent possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus is reporting inaccurate information on SANTANDER CONSUMER USA. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card or prepaid card

My account got behind due being laid off from work, did call Discover and they agreed to a payment plan which I agreed to, but they omitted the information that my account will be suspended. I have made my all future payments on time, while every month I called to inquire about the suspension, I was told that account is revised on the 5th of every month since XXXX of last year, in which my account is still suspended. Well since then I have paid my balance owed in full in which they received my money and still they will release my account
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX XXXXhis 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 violatXXXX XXXX XXXX XXXX XXXX XXXXrror has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XXXX XXXX to be removed. 

They are not in compliance with the following lawXXXX XXXX XXXX XXXX XXXX  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. 


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 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: Credit reporting or other personal consumer reports

Somebody use the credit card I dont know who was the person. I dont know the balance in the credit card and he sent me the bill and you report to me to Credit bureau , the cost me to my credit
Product: Credit reporting or other personal consumer reports

EQUIFAX and XXXX has erroneously and incorrectly continued to report an account that I have no knowledge of and have never done business with. The account is not mine. The following company : ( XXXX XXXX XXXX ) no account number provided. 
This error has caused a detrimental effect on my credit score as well as my overall ability to obtain new credit. I have exhausted all efforts to resolve this. Please investigate. Please see attached Equifax as well as my proof of address and identity.
Product: Checking or savings account

Ive received alerts describing suspicious activity on my account, so it was suspended in the meantime. When I called to lift the suspension and remove any misconceptions of any fraudulent activity, I was told by two different representatives between two different calls that my account was set for closure and that they couldnt provide me a reason why. Despite the suddenness of it all, I havent been given an option or a remedy as to how I can rectify the issue or what caused it in the first place. Ive had this bank account at J.P. Morgan Chase since I was XXXX years old and now its being shut down immediately without a reason given to me as to why. The suddenness of this seems fraudulent on their behalf as they are my security transfer agents and Im yet to address them regarding their fiduciary duties that havent been upholding properly. 

Contact me for any account details that are needed
Product: Checking or savings account

Hi, I wired some funds to my family on the XX/XX/21 and it was cancelled without notice or call on XX/XX/21. Re-requested the wire again and it is pass the 3 business days to transmit. They are purposely holding the funds to retain depository balance and using fraud as an excuse. CSR keeps transferring me over to a manager but cycling calls to another rep.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Conduct a Proper Investigation of Disputes and Address 1099-C Non-Issuance by Collection Agency I am filing this complaint against XXXX, XXXX, and Experian for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, Experian used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : 3. Despite my dispute, Experian, XXXX, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 

Account Name Account Number XXXX XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX DEPTEDXXXX 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 Key Violations : 1. Failure to Conduct a Reasonable Investigation : o Experian violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested.

o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
2. Failure to Provide Details of Investigation : o Experian failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ). 
3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o Experian, XXXX, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **To : ** Portfolio Recovery Associate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. 

Please provide the following information as validation : 1. **Proof of the Original Contract** : A copy of the original signed contract or agreement that bears my wet ink signature, showing that I entered into an agreement with Portfolio Recovery Associate. Without this, I have no legal obligation to recognize this debt. 

2. **Verification of the Amount Owed** : An itemized accounting of the amount claimed, including any interest, fees, or other charges applied to the original amount. 

3. **Proof of Authority** : If you are not the original creditor, provide documentation showing your authority to collect on this alleged debt, including any chain of title or transfer of ownership. 

4. **Verification of Identity and Address** : Confirm that you are attempting to collect from the correct individual by providing information verifying my identity as associated with this debt.

Please be advised that until you provide the requested documentation, you must cease all collection activities, including reporting this debt to any credit reporting agencies. Any attempt to collect or report this debt without proper validation may be considered a violation of the FDCPA and could subject your organization to legal action. 

I request that you respond to this request within 30 days of receipt. If you can not validate the debt as outlined above, I expect this matter to be closed and any negative marks on my credit report removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX