23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ref No. XXXX. Creditor City of XXXX, Acct No. XXXX, Principal {$690.00}. 

In XXXX 2013, I stopped by the local fire station to have my XXXX XXXX checked. After the test, I was instructed that they needed to take me immediately to the closest emergency room due to my XXXX XXXX XXXX. I responded that I lived down the street and I could either get my wife to drive me or that I could drive myself. The staff recommended that they take me by ambulance immediately for safety purposes. They told me that it was covered by insurance and that the normal costs were {$50.00} to {$75.00} out of pocket. Later, I received a bill in the mail indicating that I owe the City of XXXX {$690.00} for the ambulance ride because my insurance company would not pay for the ride. I immediately contacted the credit collector and he told me to file a complaint and that after they reviewed it, the City of XXXX could wright off the expense since the Fire Department misrepresented the {$690.00} out of pocket cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Caliber is my mortgage company for my primary and only residence. Last year and this year, the mortgage company did not pay my property taxes ( although they are impounded into escrow per our contract ).

Last year, after discovering my property tax bill was in default, I contacted Caliber who eventually paid the default bill. Caliber responded by raising my monthly payment and forcing me to pay $ 500+ in late propert taxes. This year I discovered my property tax bill was once again in default. Despite me paying my mortgage on time, Caliber has not paid the taxes or responded to my many request. I am in great fear they ( Caliber ) may not pay the default tax bill or raise my mortgage once again despite the valuation and tax rate remaining the same and a fixed FHA loan. I can not afford for my mortgage to be raised again.

I believe Caliber is committing fraud. Please help my family and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my mortgage lender ask to do a soft pull of my credit he lied and pulled a hard pull. Now Experian has sold my information and my phone and email will not stop from lenders calling me telling me that experian notified them I may be looking to refinance or get a line of credit HELOC I called experian and the guy I was trying to speak to kept putting me on hold and then saying he can't hear me. There was talking in the background not sure if he worked from a home office but the call was a waste of my time.

I don't know how to make the calls and emails stop. 

Can they sell my info? I'm registered on the do not call registry and they sold my personal phone number. 
I get calls as early as XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am trying to connect my XXXX account to my TD Bank account and they block me from using XXXX with my bank
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. The items I deleted are listed in the report. Please delete this items as soon as possible. Since they are affecting my ability to obtain credit. And I didn't Authorize those Inquiries.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Cease and Desist Request for Deletion of Collection Account Dear XXXX XXXX XXXX XXXX XXXX I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. 

According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. 

For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. 

Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 


Sincerely, XXXX XXXX XXXX, XXXX.
Product: Student loan

My fiance called in on XX/XX/14 to obtain information as to what we needed to do to get my income driven payment plan in writing for the bank that is handling our mortage. When she called and spoke with XXXX it was a very long extended wait period to speak with someone as she reached a new person. When XXXX got on the line we refused to give her information on how I can get the request expediated. He wouldn't even tell her the procedure or what I needed to do to obtain the information. He didn't need account specifics to tell her that information. I need to know how to get the document of what my payment will be monthly so I can send it over to the bank. I submitted this request several days ago and can't wait 3 weeks for it per the email that Greak Lakes sent me. Thank you. The documents that were requested from Great Lakes has been submitted.
Product: Credit card or prepaid card

I bought jewlery from Jared and signed up for their Comenity Bank credit card, which offers an 18 moth deferred interest term. The website for the card allows me to set up automatic payments on a monthly basis- but they do not allow you to change the date the automatic payments are made. The only date you can choose is the exact date the payment is due. This has the potential to be an issue if there some kind of failure, holiday, disaster, etc and the payment is not sent - I would most certainly be dealing with late charges. As a consumer I should be able to determine what day of the month my automatic payments are sent, just as I am able to do with any other credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two ( 2 ) years ago today, XX/XX/XXXX, LexisNexis accessed my credit report which was under Initial Fraud Alert due to report of ID Theft on XXXX XXXX XXXX for XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXX, XXXX sent correspondence to me based on XXXX  credit report sent to XXXX XXXX XXXX. 

XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX sent correspondence to me stating " we are unable to authenticate you on information we received '' -- different Consumer #, different Case # ; but sent to me and my address of record since XX/XX/XXXX exclusively. 

Keeping it simple here and starting @ the beginning since it disappears from credit reports tomorrow. If an American consumer, who is an Identity Theft victim, can not be authenticated by a company who is in the fraud detection and identity verification business? What possibility do you think exists for " contacting and working with this company? '' By the way, XXXX XXXX XXXX , XXXX is NOT accredited by XXXX ( XXXX XXXX XXXX ) see attached five ( 5 ) documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a letter to suppress fraudulent information from credit report along with a FTC report, and proof of identity to these companies. They should have received this request on XX/XX/XXXX because I sent it overnight. According to the FCRA these accounts are suppose to be removed from my credit report within 4 business days of being received due to them being fraudulent. The companies have not sent me any correspondence regarding my request as of yet. I've reached out to XXXX and they told me they did not receive my request. There are still accounts on my report that do not belong to me and my federal protected consumer rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the COVID Forbearance CARE ACT, Laws, I can not be reported as having late payments as I am protected under the pandemic. The holder of my mortgage/ deed has violated my rights and the law. Wells Fargo, Home Mortgage is currently showing that I have late payments in XXXX ; XXXX, during my COVID Forbearance Care Act. I signed a Mortgage Modification, which both parties agreed upon and I've been paying on time, with no late or delinquent payments.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally challenge the inaccuracies in my credit report and demand compensation from Experian for its ongoing violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further substantiated by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which exposes Experian 's failure to properly investigate consumer disputes and its unlawful reinsertion of erroneous information into credit reports. Below, I have detailed the specific inaccuracies that must be promptly corrected or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$600.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen according to a letter from the IRS. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS RIDICULOUS!!! I am unaware of this account! Why does this appear on my credit report? I require verification of this account! There is no contract associated with this account. I will sue you for causing me anguish!
Product: Credit card or prepaid card

On XX/XX/21 I purchased 6 storage bins online from Home Depot using my Home Depot credit card. The order number was : XXXX, and the amount of the purchase was {$220.00}. The Home Depot store that was supposed to fulfill the order and ship to me did not do so, even though I paid an additional {$35.00} fee for next day expedited shipping with a shipping window between XXXX and Noon. When the order didn't arrive as scheduled I contacted both the store and the Home Depot Credit Card company to cancel the order. The order was cancelled and I was told that a credit in the amount of {$220.00} would be applied back to my Home Depot credit card within 3-5 business days. When a credit was issued, someone from Home Depot Credit Services made a typographical error and entered the credit wrong as {$2.00} instead of {$220.00}. I called and was bounced around between the customer service department, disputes department, fraud department, and security operations department. They all knowingly admitted that someone on their end made a mistake in entering the credit amount wrong, and that it would be corrected within 3-5 days. It was not corrected. I filed a formal dispute online and within days received a letter saying the issue was resolved in my favor and the {$220.00} credit had been issued and the dispute closed. It was not fixed. Nearly a month later and multiple calls later and a trip to the Home Depot store have provided no results and no fixes to their error. I want this fixed and my credit issued asap. This is wrong and I as a consumer shouldn't have to make sure the credit card company does their job properly. In addition to my credit being issued, I would like a letter of apology for the extreme inconvenience and stress this issue has caused me. Based on all of this I probably will never shop at Home Depot again. I have attached a copy of the letter from Home Depot Credit Services showing the dispute was resolved and a supposed credit of {$220.00} issued but it was not. I also included a screenshot from the Home Depot website showing that the Order # XXXX was cancelled.
Product: Student loan

I am a coborrower for my son who got XXXX loans from XXXX XXXX more then 10 years ago. The loans were originally a pretty small amount but with forebearance and deferments that are very high now. We were never told that interest would go up nor were we told that interest would continue to accumulate during these times. We tried numerous times to get the loans consolidated and were told that is n't possible. I also asked to have my name removed from the loans and was told that was n't possible either. A few months ago I filed paperwork to get my name off the loans because I am now XXXX Veteran and I 'm now on XXXX I was told it would n't be possible but I have yet to receive any paperwork in the mail stating such. I 've have tried on many occasions to work with the loan company to get payments that my son could afford but we were told that is not a possibility they would only accept the over {$400.00} plus dollars a month and nothing else. We paid them money on a few occasions to place the loan in forebearance. I 'm very frustrated as this has affected my credit over the years and I do n't blame my son as he was unable to repay the money but wanted to work with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were numerous inquiries on my credit report that I did not recognize. They are here listed below : XXXX XXXX XX/XX/2022 XXXX Bank XXXX XX/XX/2022 XXXX 's XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report and I was not the person who requested those inquiries.
Product: Mortgage

Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Customer Care Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX To whom it may concern : XX/XX/2021 my monthly mortgage payment of {$4800.00} for XX/XX/2021 was paid to Specialized Loan Servicing through the bill payment service of my bank XXXX XXXX XXXX XXXX. 

XX/XX/2021 I was notified in writing that the servicing of my mortgage would change from Specialized Loan Servicing to XXXX XXXX XXXX effective XX/XX/2021. 

XX/XX/2021 my monthly mortgage payment of {$4800.00} for XX/XX/2021 was paid to XXXX XXXX XXXX through the bill payment service of my bank XXXX XXXX XXXX XXXX. 

I contacted XXXX XXXX XXXX on XX/XX/2021 to verify that they would pay my real estate taxes from my escrow account. I was told that the taxes would be paid. 

XX/XX/2021 I received a letter from XXXX XXXX XXXX stating that my mortgage was one month past due, and threatening to impugn my credit rating. 

I contacted XXXX XXXX XXXX again the week of XX/XX/2021 to try and resolve the claim that I was delinquent. I spoke to XXXX XXXX, she wouldnt give her full name to me, and I told her that I was not past due, and I had proof the bill was paid. I sent XXXX my bank statement that shows both the XXXX payment to Specialized and the XXXX payment to XXXX XXXX XXXX being made. XXXX promised to get back to me, but as of this letters writing she has not contacted me. 

On XX/XX/2021 I received another letter from XXXX XXXX XXXX, dated XX/XX/2021 again accusing me of being delinquent and stating that I had to dispute the validity of this debt against my property or it would be considered valid in 30 days. 

I officially notified both Specialized Loan Servicing and XXXX XXXX XXXX that I dispute the debt and again explaining that sequence of events, and that I had sent them proof of payment. I did this via registered mail, return receipt requested.
Product: Consumer Loan

I was late on making a payment for XXXX. I had thought I paid via phone. I spoke with a representative last night who called from an XXXX number. When she advised I was 21 days past due I told her I would look into my account today and call them back today. This morning my cell phone rings and the # is identified as a wireless caller from XXXX # XXXX XXXX XXXX. I have had numerous call from this # with no message. My cell phone is a business phone and I have business in that area. During work XXXX. I answered the call and they gentleman identified himself at that time as working for Flagship Credit Acceptance. I advised him I spoke with someone last night and would be contacting them later today on the matter .... I hung up called back the # and it does state when you call back that you are calling Flagship Credit Acceptance. I requested to speak with a supervisor because I believe this is a deceptive act. The employee who answered the phone would not provide me with a supervisor unless I provided him the last XXXX of my ss # and hung up on me. 
I believe it is unfair to call from false # 's or incorrectly identifying # when trying to collect a debt.
Product: Debt collection

On XX/XX/XXXX I paid Account Resolution Services the amount of {$400.00} and I should not have because I learned they are operating without a valid business license and are NOT allowed to collect debts in the state of Illinois and have NOT been licensed since XXXX. I am requesting a FULL refund of my funds IMMEDIATELY and DELETE from all my credit reports or I will be 1. Filing a dispute with my bank, 2. Filing a report with the states attorneys office and 3. Filing a lawsuit for fraud and a non licensed debt collection agency in violation of both the FCRA and FDCPA. I have payment confirmation number XXXX and I placed this payment on XX/XX/XXXX. What this company is doing is ILLEGAL and FRAUD and will be reported. Attached is proof of an invalid license and also proof of my payment. This business is currently a scam. 

In addition to this I was not made aware of my right to request validation and at this moment I intend to make that request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Resolution Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Dear Account Resolution Services, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 
Sincerely, XXXX XXXX