23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute the medical bill I received for the XXXX XXXX XXXX XXXX  XXXX at XXXX XXXX. I believe there has been a misunderstanding regarding the billing process, and I would like to provide you with the details of my situation. 

To provide some context, I had informed XXXX XXXX of a change in my insurance coverage before the XXXX XXXX took place. Despite this, I did not receive a bill for the procedure for over XXXX months. Instead, I was surprised to receive a call from a collections agency, indicating that the bill was in arrears. 

I have made several attempts to resolve this matter by reaching out to XXXX XXXX through various channels, including emails. Unfortunately, my efforts have been met with unresponsiveness. I have documentation of multiple email correspondences where I sought clarification on the billing matter, only to receive no reply. 

Moreover, after discovering that the email address provided by XXXX XXXX was false, I made additional attempts to communicate with your billing department. I have records of phone calls made to both XXXX XXXX and XXXX XXXX, where I tried to address the issue and obtain a resolution. Despite being assured by several individuals that the matter was taken care of, I have now received a debt collection bill for the same procedure. 

In my pursuit of a resolution, I have also involved my legal representative, who is actively working on this case. I have provided phone records, email exchanges, and other relevant documentation to support my claim. However, despite these efforts, the issue remains unresolved. 

I am deeply concerned about the impact this situation may have on my credit and overall financial well-being. I am willing to cooperate and provide any additional information necessary to facilitate a prompt and fair resolution to this matter. 

I kindly request a thorough review of my case and a response detailing the steps taken to rectify this billing discrepancy. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX
Product: Mortgage

I was not notified of the servicing transfer of my loan per CPFB requirements. The CPFB Bulletin   XXXX    Compliance Bulletin and Policy Guidance : Mortgage Servicing Transfers clearly says " the transferor servicer shall provide the notice of transfer to the borrower not less than 15 days before the effective date of the transfer of the servicing of the mortgage loan. '' A postmark does not equal a borrower being notified. Receipt of the letter is notification.      Plaza Home  Mortgage closes at  XXXX  my time and I received the letter Friday so  XX/XX/XXXX  I was not able to get any further information on the transfer before today,  XX/XX/XXXX  Note that leaves me 6 days to get a payment to someone. I 'm glad I was n't traveling for work or on vacation because  Plaza Home Mortgage turned off my auto payment. I would ha ve missed a payment.      I called Plaza Home Mortgage this morning to figure  out what is going on and   XXXX   claimed the requirement is the postmark not the customer receiving. She told me, " the post office says it wil l take 7-10 days and we  ca n't account for that. ''  So Plaza Home Mortgage is knowingly giving customers as little as 5 days notice.
Product: Debt collection

I checked my credit report today and noticed a collection from Consumer Adjustment Company. I am not aware of this company or the debt that they say I owe. I also never received written verification or a dunning letter from this company, giving me the right to dispute before adding this collection to my credit report. Collectors are required by Fair Debt Collection Practices Act to send a written validation notice with information about the debt they are trying to collect. I have no idea what this debt is even about and until I receive debt validation, it needs to be removed from my credit report. Also, if this company is not licensed or registered in the State of Louisiana, they can not collect debt from me.
Product: Debt collection

I received a debt collection letter from XXXX XXXX XXXX XXXX ( copy enclosed ) regarding a debt that is not mine which I previously disputed with Asset Recovery Management ( copies enclosed ) who failed to validate under the FDCPA and FCRA. Asset Recovery sold a debt that was not validated to XXXXXXXX XXXX  XXXX XXXX. 
When I received the letter from XXXXXXXX XXXX XXXXXXXX, which was originally sent to the wrong address, I immediately replied via certified mail ( receipts included ) advising them this debt was not mine. Today, XX/XX/2023 I received another letter from XXXXXXXX XXXX  XXXX demanding payment and claiming a copy of a loan agreement that does not contain my signature or any other identifying information, constitutes as debt validation. They have also stated I have 7 days or they will assume I dont have any other validation requests. These agencies abuse consumers because we dont know all the laws that are set in place to protect us. Im filing a complaint so that CFPB protects my rights and this agency stops its illegal and abusive practices. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a target of identity theft and accounts were opened without my knowledge and On XX/XX/XXXX I sent in documents to Experian explaining how personal information was on my report that did not belong to me such as names, addresses and SSN, to my knowledge those information was removed, however the negative accounts that were opened fraudulently are associated and opened with those such names, addresses and SSN that were deleted from my report are still listed on my credit report, these negative items was not opened by me and is affecting my ability to build my credit and is hindering my ability to progress in life during these trying times I have been fighting hard to have my credit and good name restored but experian is refusing to remove these items, these negative accounts do not belong to me as its been well over 60 days plenty of time for the company to correctly investigate and remove and delete these items Ive spoken to the companies reporting and no one has helped me in my quest associated with those personal information that did not belong to me in the first place.
Product: Credit reporting or other personal consumer reports

This is my second time writing these XXXX XXXX XXXX to show proof that the law were followed by these companies listed below and their credit agency as well, instead I was sent the e-Oscar computer generated computer response stated that the account was verified but no proof of how this answer and verification was provided, I am asking for proof of validation, verification and proof the laws listed below were followed. I DO NOT consent to the response being computer generated or e-Osca responses which is not an accurate investigation that is required by law. 
The first violation of law your credit agency and these other companies violated was the 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following 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  has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud ( 1099 OID ). By Law companies are supposed to send me the consumer a copy of the 1099A & 1099C from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. Any account that has been paid for such as " chargeoff '' must not be added or remained on a consumer 's credit report due to debt has been paid by the IRS, these debts are now considered income and income is against the law to be reported on a consumer report ; it is also against the law for them to fail to mail or deliver the copy of 1099 form to the consumer. I do not give consent for any paid off accounts that are reporting as charged offs to be on my consumer report. Failure to do so will require me to seek legal aid to assist in the laws not being followed or valid proof by law of investigation findings of the information listed on reports.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( DEPTEDXXXX 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, credit repair services, or other personal consumer reports

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC XXXXdentity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX  XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  AV XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX : XXXX  XXXX 13. The following personal information is incorrect Account Number : Employers : XXXX XXXX I XXXX XXXX. XXXX  XXXX  XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX  XXXX  XXXX  XXXX Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Product: Mortgage

We have a home mortgage loan on Freedom Mortgage for the property address at XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX. I called freedom mortgage on XXXX XXXX to inqury about how much I should expect if I want to pay off my remaining mortgage. The representative told me to get the payoff quote on FreedomMortgage online. I specifically ask the representative if they will be any fee associate with the quote. The representative told me there will be no fee if I decide not to do the payoff finally, generate the payoff statement is free of charge. That's why I do the payoff quote online. But then I find out Freedom Mortgage charge me {$30.00} statement fee for the payoff quote on XX/XX/2021. This is unreasonable as I have asked before and was providing a misleading information.
Product: Student loan

Nelnet is putting a student loan on my XXXX credit report that does not belong to me. This long must belong to a different person. Please verify social security number for this loan. I 've been trying to get this removed from my credit report and Nelnet, nor XXXX will not remove this loan that does not belong to me. They have also been sending me correspondence. My Social Security number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I requested Toyota XXXX to remove or expunge from my credit report after dealing with a legitimate payment dispute that took over 2 years and 2 of your collection agencies to resolve. My account should have not been finalized in collection in that I paid my lease off in full, 13 months ahead of the term. This bad collection mark is not a fair representation of my credit worthiness but an error on the part of Toyota. In short, I did not get the final statement until 15 months after the lease was paid off, XX/XX/XXXX. This final statement started the dispute with the demand for the additional months payment plus the disposition charge. Shortly after the final bill, I started to get collection notices from 2 agencies, XXXX XXXX XXXX then XXXX. According to your records, as reported by the collection agencies, I was charged for an additional month indicating I kept the car a month after the lease expired which was clearly not the case. I provided the collection agency the lessee odometer disclosure statement that verified when the car was dropped off, which was XX/XX/XXXX ( 13 months early ), along with the final payoff check for {$6300.00} ( an amount provided by Toyota to finalize the lease ). It was finally determined, I only owed {$350.00} for the disposition charge, which I kept telling the collection agencies I was willing to pay. All of the back and forth took more than a year, which was clearly a waste of time and effort for only {$350.00} and a bad record on my credit history. I could have easily paid {$350.00}, at the same time I turned the car in, but was aware of it until I receive a statement more than a year later. But their insistence to get more money from me just prolonged the time of the dispute. Therefore, I am asking for your professional attention to review all communication and documentation over the 2 year disputed period to give me some favor to remove this bad mark off my credit report as soon as possible. It is the only blemish on my perfect credit payment history. 

Thanks in advance.
Product: Credit card or prepaid card

Yes I've always been on time with my Walmart credit card. But i lost my mom. And going thru hardship. Was mom 's caregiver for 5years now. Si going thru moms bills and stuff plus my own bills. Hoping too get payment waived for this bill comming up. Just trying too catch up on bills not easy.
Product: Credit reporting or other personal consumer reports

The company is reporting negative activity on my credit report that was cause by identity theft. Original company ( XXXX ) not doing a proper investigation. XXXX and Transunion not doing a proper investigation on the information being sent to them
Product: Debt collection

I receive multiple calls per week from XXXX and they leave a message saying I need to call them because they are trying to collect a debt. However, I have no outstanding debts and they have not provided the required 10-day written notice for any debt claim.
Product: Credit reporting or other personal consumer reports

I Have reviewed my credit Report and found some inquires that I did not recognize : XXXX XXXX, XX/XX/XXXX, Experian. 
Experian XXXX XXXX XXXX, XX/XX/XXXX, Experian. 
XXXX, Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX, Experian. 
XXXX XXXX, XX/XX/XXXX, Experian. 
XXXX XXXX, XX/XX/XXXX, Experian. 
XXXX XXXX XXXX, XX/XX/XXXX, Experian. 
XXXX XXXX XXXX XXXX, XX/XX/XXXX, Experian. 
XXXX XXXX, XX/XX/XXXX, Experian. 
XXXX XXXX XXXX Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

According to a XXXX XXXX with Continental Finance, the balance on my account ending in XXXX is XXXX as of XX/XX/XXXX, this is stated in her reply to a previous complaint regarding an unauthorized charge in the amount of XXXX .... She stated charge was credited back on same date, XX/XX/XXXX. However, a statement received most recently with a closing date of XX/XX/XXXX shows a balance of XXXX, which does not coincide with what she states. Due to account status, I am not able to log in to website to view activity/ balance information. There is an error on her part or on the statement, which was cut after XX/XX/XXXX. I need clarification as to the exact balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive talk to them several times on the phone Ive asked him to please remove it. 
Explain to them that this was not my doing I have paid it. Im trying to better my credit report. 
This would really help my credit score if they can remove it completely from my credit report.
Product: Mortgage

I have a Conventional with PMI mortgage.
SunTrust Mo  rtgage  / Loan officer   XXXX   XXXX .   I believe I have been charged PMI inappropriately since the mortgage was issued based on the loan to value ratio.   I have called the local branch and was told  XXXX   XXXX  no longer works there and given a direct number to call. When I did I was told I would have to pay for another appraisal to file for discontinuance of PMI. Again my complaint that I should never have been charged PMI was politely ignored.   My appraisal document shows the appraisal at  XXXX  and the  appraiser  states that is on the low end of a scale between $  XXXX .and {$540.00} My original loan amount (  XXXX / XXXX /   14  ) was {$360.00} which equates to 72 % of the appraised value even at the lower end of the scale.   No one will discuss or admit that it is clearly below 80 % which I believe is the threshold for PMI requirements. I have copies of the appraisal Etc.
Product: Debt collection

The story started back in XX/XX/XXXX. Someone had set up a XXXX  credit card account and had my name and Social Security number ( I suspect ). They used my company address, phone number, and my company email address. They used an email address that is not mine : XXXX. They used a phone number ( XXXX ) that, when XXXX, is to a XXXX XXXX XXXX I am an XXXX I do not run an XXXX XXXX And XXXX XXXX  called me and said this is whats going on and I said that it was not me. I filled out a form for dispute resolution department at XXXXXXXX XXXX. I marked " I am requesting that my response be attempted for this dispute I understand that the issuing bank does not accept my response that I will be charged the XXXX pre-arbitration fees imposed up to $ XXXX '' See pdf file attached. And that was the last I heard from them. They accepted that and said to file a police report. We tried to file a police report. But the XXXX XXXX County police department would not accept a complaint because there was no harm done to me, there is nobody to chase, and it was not in XXXX XXXX XXXX. Now XX/XX/XXXX XXXX being contacted by a collection agency for {$6200.00}. I was told by XXXX XXXX to file a fraud alert with my with three credit monitoring companies. I have done that. 
The XXXX  reference number is XXXX. The XXXX number is XXXX.
Product: Credit reporting or other personal consumer reports

I have just got a copy of my consumer report and it looks like I have been violated once again by Experian XXXX and XXXX. The accounts XXXX does not belong on my report and I have been notifying Experian for years about these accounts. I have filed a police report for theft I even had it removed from XXXX and XXXX but Experian never removed the account even though I provided them with evidence. 15 USC 1681I ( A ) ( 1 ) Reinvestigations of disputed information. They never noticed me regarding these accounts ever being verified they just kept sending an automated computer generated response. Here are the accounts I am referring to : XXXX different XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting negative fraudulent information on my credit report that does not belong to me. I have disputed several times to no avail. They are in violation of the FCRA.
Product: Debt collection

I requested confirmation on the debt when National Credit Adjusters called me. They sent the information, however, they have no standing to collect the debt. No where in the contract does it say that it can be collected by a third party. In-fact the contract at page XXXX which is attached specifically states that " WE MAY REPORT ANY INFORMATION ABOUT ANY LOAN WITH US TO CREDIT BUREAUS. '' " We '' being XXXX XXXX and not National Credit Adjusters. National Credit Adjusters nor any collection agency are listed in the contract and thus must remove this from ALL of my credit reports immediately and cease contacting me.