23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX - I paid XXXX XXXX XXXX  ( XXXX ) {$500.00} via debit card for services rendered, including intake tests via an outside facility ( XXXX XXXX ), since XXXX did not provide coverage for treatment at XXXX. The XXXX XXXX XXXX specifically said the {$500.00} was for medical tests performed outside of XXXX. 

XX/XX/XXXX - I paid XXXX an additional {$24000.00} cash via MasterCard, Visa, and XXXX XXXX credit cards. XXXX   business office assured me no further charges would be  requested since I was paying cash. However, they would submit claims to XXXX just in case XXXX would reimburse some of the fees. 

XX/XX/XXXX - I received a {$370.00} bill from XXXX XXXX for services rendered on XX/XX/XXXX through XX/XX/XXXX which totaled {$520.00}. XXXX paid XXXX a portion of the bill ( when XXXX theorectically should have reimbursed me instead ).  However, XXXX still charged me the remaining {$370.00} ( which I had already paid XXXX ). I continued to receive this bill from XXXX XXXX even after I explained I had paid XXXX cash for all services rendered. 

XX/XX/XXXX - I called XXXX again, after receiving several more bills, and told them I had paid XXXX already. They responded that I owed them {$370.00} for services rendered anyway. I wrote a letter to XXXX explaining I did not owe any money and that I had already paid XXXX. They returned the letter with a statement that I must pay XXXX, and subsequently turned my account over to a collection agency, ALLIED. This is now on my credit report. 

I filed a dispute via XXXX. The result of the dispute did not change the situation. 

After many attempts to contact the XXXX business office ( no one was answering the phone, email was returned as invalid ) I was at a loss of what to do. 

XX/XX/XXXX - XXXX sent me a bill for {$48000.00}. This bill said I had not paid ANY portion of the billed services. I continued to call the XXXX business office daily for several weeks before I was finally able to speak with someone named " XXXX '' on XX/XX/XXXX. XXXX told me to ignore the {$48000.00} bill. He said it was sent because someone had not realized the services were financed via self pay. He said he would contact the XXXX Director regarding the {$340.00} bill and call me back. He did not call back and did not return any subsequent calls or reply to several voice mail messages. 

I've sent email and called several times daily since XX/XX/XXXX with no one answering the phone or returning my calls.
Product: Mortgage

Upon purchase of our home we were given a 9.53 % interest rate and were not able to maintain our payments. We fell behind around XX/XX/XXXX and applied for a loan modification. We were recently approved for an increased payment and the same 9.53 % interest rate. Shellpoint services the loan on behalf of XXXX XXXX XXXX AS TRUSTEE FOR XXXX XXXX - XXXX and stated that the investor will not lower my rate and Shellpoint said if I want to keep my home this is what I need to accept
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of my JPMCB Card Services ( XXXX ) account due to inaccuracies, potential re-aging, and inconsistent reporting across credit bureaus. Based on the information provided in my credit report, this account may be unlawfully extending its reporting period, violating the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : Charge-Off Date Discrepancy ( Possible Re-Aging ) My credit report shows the last activity on this account was in XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). 
Despite this, XXXX is reporting a charge-off in XXXX, which does not align with the actual delinquency timeline. 
This suggests improper re-aging, where the accounts derogatory status has been artificially extended beyond the legal reporting limit. 
Statute of Limitations in Georgia ( XXXX Years ) The statute of limitations for credit card debt in Georgia is XXXX years from the date of default. 
If the last payment was in XXXX, then the account became time-barred for collection in XXXX. 
While time-barred debt can remain on a credit report for XXXX years, the reporting date should not be altered to appear more recent. 
Inconsistent Reporting Across Credit Bureaus XXXX and XXXX do not report a charge-off, while XXXX reports charge-offs from XX/XX/XXXX to XX/XX/XXXX. 
The balance is reported differently across bureaus, with XXXX showing a different high balance ( {$8900.00} ) than XXXX ( {$8900.00} ). 
These inconsistencies suggest unreliable reporting, which can unfairly impact my credit score.

Incorrect Credit Utilization & Balance My credit limit was {$7500.00}, but my reported balance is {$8900.00}, resulting in a 120 % utilization ratewhich may include excessive fees or interest. 
XXXX reports a higher balance ( {$8900.00} ), which does not match XXXX figures.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Account # XXXX ( Late Payment ) Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : ( enter late payment date XX/XX/XXXX ) ( enter late payment date XX/XX/XXXX ) ( enter late payment date XX/XX/XXXX ) It is my understanding that per XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( XXXX ) 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. 
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 timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX Cc : CFPB FTC XXXX XXXX XXXX
Product: Debt collection

MIDLAND CREDIT HAS POSTED XXXX ILLEGAL COLLECTIONS ON MY CREDIT BUREAUS ON THE FOLLOWING ACCOUNTS : XXXX  XXXX - {$2000.00} XXXX  XXXX - {$2600.00} XXXX XXXX  - {$1200.00} XXXX XXXX  - {$4400.00} XXXX XXXX  - {$2100.00} XXXX XXXX  - {$2800.00} I XXXX XXXX hereby attach documentation showing proof of a XXXX  XXXX Bankruptcy petition filed XX/XX/XXXX, and completed with disbursements XX/XX/XXXX. My husband and I successfully completed our XXXX bankruptcy and adhered to every instruction of the trustee of our case. However, several of my previous creditors that I had prior to the original filing in XXXX have maintained an ongoing record of the account in question, and in some cases passed my personal information onto debt collectors or buyers in violation of the Fair Debt Collection Practices Act. I hereby demand that any information pertaining to XXXX XXXX be purged immediately and permanently. I also request the Consumer Financial Protection Bureau to levy fines against these creditors and/or debt buyers for the violation of an American consumers constitutional rights. The transfer of my personal information while bankruptcy was either pending or discharged is a deplorable act. Accordingly, I demand that any information to past accounts be deleted on all three major credit bureaus, XXXX, XXXX, and XXXX XXXX respectfully. Please send notification to the three major credit bureaus to delete all information and purge my information permanently. 

XXXX XXXX
Product: Student loan

I have completed an XXXX service and chose to receive an educational award, which would pay off my entire loan. I have tried multiple times for my educational award from XXXX to be accepted over the past year for my direct loan to be paid and have not been given any information. I have tried to contact a Mohela representative earlier this year, and said that I had to submit the educational award request when my service was done. I did this, and it has not been approved yet. My payment is due today, and I do not want to be penalized for not paying when the educational award needs to be accepted on Mohela 's end to have the payment processed. I have tried to reach out to a representative and sat on the phone multiple times and have not reached anyone to discuss this with. Please, I just want my payment to go through and be accepted, as I have the entire educational award that would pay off this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I contacted XXXX XXXX XXXX XXXX XXXX   because my credit report dropped around 47 points after I paid off a student debt in the amount of {$290.00} on XX/XX/2020 for account XXXX US Dept of Ed. Apparently, the account was marked closed and erased my payment history for this account once the balance was paid and impacted my score negatively. I called XXXX XXXX on XX/XX/2020 and they told me to dispute this with all three credit bureaus. I did this the very same day, dispute with all 3 bureaus on XX/XX/2020. Two of the three ( XXXX   and XXXX ) fixed the problem. They reflected my account was paid with XXXX balance but showed my history to not negatively impact my file. On the other hand, Equifax said the details are correct and made no change. I disputed this again with Equifax on XX/XX/XXXX and again they came back within a few days XX/XX/2020 and confirmed all details are correct and they confirmed with XXXX XXXX. I called to XXXX XXXX again today XX/XX/20 and they agreed this should not impact my credit negatively and provided me with details to contact the Ombudsman Department to file a complaint. XXXX XXXX is saying they can not force Equifax to change the details but agree they are reporting the details incorrectly that is causing a negative impact on my score. Please help me as I am only trying to pay off my student loan debt and I should not be penalized for it. I provided Equifax with my XXXX dispute details to help them report it correctly and they still disregarded my support to help fix this issue.
Product: Checking or savings account

I opened a checking account with Citibank on XX/XX/year>. I set up direct deposit for this account and used it responsibly. No NSF charges, OD charges, or anything. On XX/XX/XXXX, I used my debit to pay for lunch and it was declined. There is plenty of money in this account. I tried again and it declined. I ended up paying for lunch using another payment method. On Monday, XX/XX/XXXX - I receive a call from Citi Fraud department telling me that they have frozen/restricted my account. I asked why and no one could tell me. I have funds in this account totaling {$660.00}. They will not allow me to access my funds to get them out. Now it's been almost one month and my account hasn't been closed yet. What is taking so long for them to close my account and send me a check? There is not a branch in the city I live so I am at their mercy. Citi deciding to close my account is completely absurd. Them keeping my money is totally ridiculous. I would like my money back. I have spoken to several departments ( including Executive Response Unit ) and no one has done anything to rectify this. I am very frustrated and concerned that I will not receive my money.
Product: Payday loan, title loan, or personal loan

I obtained the loan in 2015 when I had an operation preventing me from working. I was making my payments but the amount was going all to interest and not paying off the principal balance, the loan was sold to other vendors and interest increased. I was then making payments to the XXXX XXXX XXXX XXXXXXXX who obtained the account from One Main Financial. When I defaulted the payments they sued me and increased the balance, now my wages are being garnished.
Product: Credit reporting or other personal consumer reports

I have written to this credit bureau on XX/XX/22 requesting proof of how the debt was validated. I asked for the original signed contract. Accounting records and proof of how this debt was verified. The company stalled asking for Id and proof of address when the information was already sent to them. I do not recall signing a hipaa release for this company to release information. I asked for a copy of that as well. The company failed to provide proof of how this debt was verified only that it was violating my rights
Product: Mortgage

There are serious issues with my mortgage that would indicate my current servicer, Fay Servicing and the alleged note holder lack standing to foreclose which they are currently threatening to do. There are also issues that show they are billing me for tax escrows that were never paid. 

The first mortgage assignment recorded on XXXX/XXXX/XXXX prepared by XXXX indicating XXXX was assigning the mortgage to XXXX would be void due to the fact that XXXX would have had no agency relationship with XXXX XXXX in XXXX due to the dissolution of XXXX XXXX XXXX as a corporate entity on XXXX/XXXX/XXXX. 

The second mortgage assignment recorded on XXXX/XXXX/XXXX, assigning the mortgage from XXXX to XXXX Legal Trust is also problematic for multiple reasons. 

First, it appears XXXX violated the REMIC provisions ( Sections 860F and 860G ) of the Internal Revenue Code of XX/XX/XXXX that state a mortgage in default can not be placed into a REMIC Trust. 

After reviewing the Securities and Exchange Commission 's XXXX database, it appears that XXXX Legal Trust is not registered with the Securities and Exchange Commission ( SEC ). It appears XXXX Legal Trust is in violation of Section 5 of the SEC Act of XX/XX/XXXX that requires all entities offering securities to be registered with the SEC or qualify for a Rule 144a exemption from the registration requirements. There does not appear to be a Rule 144a exemption filed with the Securities and Exchange Commission. 
There also seems to be serious miscalculations of the amount Fay Servicing is claiming I owe on the mortgage. According to documents supplied by Fay Servicing and their attorneys, XXXX XXXX XXXX, Fay Servicing is charging us {$27000.00} in tax escrow payments from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. However, it appears from a XXXX county tax bill sent us in XX/XX/XXXX that the outstanding property taxes equaling {$24000.00} were never paid. The property is currently in the process of tax forfeiture.
Product: Debt collection

CMRE FINANCIAL SERVICES Has reported a collection for {$160.00} on my XXXX report on XX/XX/2020. They violated both the California and federal executive orders to freeze medical bill collections due to Covid-19 which I am a victim of. I am also completely not aware of any medical bill for {$160.00} nor have I needed any medical assistance for many years. This does not belong to me, I have never received any documentation and finally I can not even contact the company because they are presumable closed due to Covid-19. I ask this charge be removed from my XXXX credit report immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. According to FCRA laws you are refusing to comply with the information that you are reporting : 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1681 ( c ) 2 15 U.S. Code 1681 ( n ) Please follow the laws. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please follow the laws and block this information from my credit reports before I seek legal counsel.
Product: Credit card

For XXXX consecutive months, I had charges declined when using my Target XXXX. Both times I checked my current balance via their mobile app which showed I was well below my credit limit. I subsequently called their customer service each time. On XX/XX/XXXX, I called to ask about why my card was declined on XX/XX/XXXX. The mobile app showed that I had made a payment of {$990.00} on XX/XX/XXXX, that my current balance was {$460.00} and my credit limit was {$1200.00}. My bank showed that the payment had cleared on XX/XX/XXXX. The representative told me that my payment was being held because {$990.00} is considered a large payment and subject to additional review per their policy. The applied payment was not being credited towards my available credit until their review process is completed. If this is truly their policy, then they are holding millions of peoples funds for weeks at a time and using it as a justification to withhold credit. It is in effect penalizing consumers from paying their credit card balance in full every month.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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  XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Recently I received another back and forth communication exchange associated with a debt that I am not responsible for. The data that Portfolio Recovery Associates ( PRA ) returns to me is inaccurate information, time and time again.

My response appears somewhat redundant when reviewing other complaints I have submitted regarding this account, it is a simple series of simple requests for information for me to review in this matter. I have not received the information, nor do I think that PRA is compliant with the U.S.C.s or FDCPA.
Product: Checking or savings account

I, XXXX XXXX XXXX, have been having a horrible time trying to get someone at U.S. Bank help me resolve the following situation. I initially opened my account through XXXX XXXX Bank ( who later became XXXX XXXX XXXX Bank XXXX XXXX I deposited 2 paychecks of equal amounts on XX/XX/2021, that due to accounting error from my employer, were returned for NSF. Well, the employer immediately corrected the error and issued replacement checks. I then tried to deposit the check back into my account and did not have the option anymore in the US Bank application. I called customer service, they said it was because my account had gone negative. They added that I needed to make a deposit in person or by ATM first, in order to recover access to the Application feature. Well, problem is, we live in Florida and there is absolutely no Branch and no USBank ATM at all in the entire State of Florida. The Banker on the phone then said to send it via XXXX. Well, my husband & I tried multiple times, and from multiple accounts, and all attempts were unsuccessful. After 2 weeks of trying, we called again, since we did not wanted that negative balance to be a problem and we now had a new check we wanted to mail in instead ( the others were deposited in a different account ). Well to our surprise, the new banker we spoke at that time, said the account was closed for suspiscion of fraudelent actions. Needless to say, we where astonished to hear that. We explained the entire situation. She said we needed to send an email explaining ourselves in order to avoid having my record tarnished with this action. We called 5 times since then, have argued with multiple people trying to resolve this matter, they all give us different information, no one give us the option to bring the balance current ( even their collections department told us they could not take the payment because the account came from XXXX XXXX Bank. It has been a nightmare. Weve asked 3 times to be contacted by a manager, but no one called.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts both opened and closed are not mines, my identity has been compromised and it has not only affected me emotionally but my credit file as well. I'm demanding the immediate removal of the following unauthorized and unknown accounts. 

1. XXXX XXXX XXXX  {$1700.00} 2. XXXX XXXX XXXX XXXX  3. XXXX XXXX XXXX 4 . XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


Below are the accounts that I marked as inaccurate : XXXX XXXX XXXX XXXX Original creditor Last activity XXXX Balance XXXX XXXX  Monthly payment {$0.00} XXXX XXXX XXXX Original creditor XXXX Last activity XXXX Balance XXXX XXXX Monthly payment {$0.00} XXXX XXXX Original creditor Last activity XXXX Balance {$3300.00} Monthly payment {$160.00} XXXXXXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX Last activity XXXX Balance XXXX XXXX Monthly payment {$0.00} XXXX XXXX XXXX {$10000.00} Limit {$0.00} Card usage 0 % Payment history 42 late payments
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payments Under CFRA, CARES Act, and TILA Dear CFPB Members, I am writing regarding my account with XXXX XXXX account number : XXXX ) to request the removal of two late payments reported on my credit history, specifically in XX/XX/XXXX and XX/XX/XXXX. 

During the COVID-19 pandemic, I faced exceptional circumstances that impacted my ability to meet my payment obligations. Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, protections were established for consumers who experienced financial hardships due to the pandemic. This legislation acknowledges the importance of providing assistance to those who suffered setbacks during this difficult time.

Additionally, under the Truth in Lending Act ( TILA ), I have the right to receive clear and accurate information about my accounts and the impact of delinquency on my credit history. I request that my circumstances be reviewed and that consideration be given to the removal of the aforementioned late payments, as they have significantly negatively impacted my credit score and, consequently, my ability to access credit in the future. 

I appreciate your attention to this matter and look forward to your prompt response. I am willing to provide any additional documentation you may require to process this request. 

Sincerely, XXXX XXXX