23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX CMRE. XXXX XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

XXXX XXXX XXXX is attempting to collect on a debt and Negatively affecting my credit for a debt that they failed to validate by providing improper documentations from XXXX. 
I found a collection account on my credit report by XXXX XXXX XXXX ( CCS ). I disputed the debt with them and they mailed a summary final statement from XXXX. My initial dispute letter to CCS detailed that this was not a debt that I owe and I requested detailed validation to include the automobile ( s ) and policy period for which they provided coverage. CCS did not comply with my request. A simple letter from XXXX just stating the balance owed without identifying the Vehicle ( s ) covered and not including the coverage period is not sufficient to prove that this is legitimate. I sent a second letter to XXXX and they failed to respond to me. I also mailed a letter directly requesting this information and again XXXX failed to respond. It's been about 4 months now and CCS still has this on my credit report. 
I want this DELETED from my credit report, I want proper documentation to support this debt and the opportunity to investigate it and respond accordingly.
Product: Debt collection

Jefferson Capital Systems is a scam and is a company based in XXXX. They are trying to say I owe them {$410.00} for XXXX XXXX phone service - a company that Ive never dealt with. There are no stores by me and I have never even been in one. Im not sure how theyre doing this but the debt is not legit. All of the complaints say that they scam people in this way frequently. And their debts always have to do with cellphone service companies. Their sister company XXXX XXXX XXXX does the same thing. That is strange. The debt is ruining my credit and the company is not doing anything to remove it. This cant be legal ... can it?
Product: Student loan

I am part of a program in which the National Institutes of Health provides payments on my behalf as long as I perform research sponsored by the NIH. EdFinancial manages my student loans, having taken over my loans ( not at my request ) from XXXX. Since transfer, EdFinancial has been unable to perform the basics of loan servicing, including displaying my loan balance and recording payments. Every payment made by the NIH is not recorded ( despite the check being cashed ) until I call and request the payment be reflected on the account. Most recently, a payment made by the NIH ( from the US Treasury ) on XX/XX/2024 has yet to be posted or credited to my account ( currently XX/XX/2024 ), despite my providing a copy of the cashed check by the US Treasury. I have called at least a dozen times without resolution. Failure to provide proof of payment jeopardizes my participation in the NIH program, and currently the next quarterly payment is delayed because I can not provide the NIH proof of prior payment. Interest continues to inappropriately accrue on a balance not reflective of the amount owed. In sum, they have cashed the checks, but not reduced the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/19 and XX/XX/19 charges from a place called XXXX XXXX XXXX were made to all the ( 3 ) credit cards I was carrying in my wallet while traveling in XXXX. Two of the credit card companies, XXXX XXXX and XXXX XXXX, immediately fully waived any responsibility to me for these charges, verifying that they were clearly Kiting Fraud charges. The third card was a Citibank card. I was mailed a letter from Citibank stating that they flagged activity that was similar to recent fraud trends and to contact them regarding suspicious transactions to my account. The charges were made on XX/XX/XXXX in the amounts of {$14.00}, {$62.00}, {$76.00}, {$100.00}, {$340.00} then started on XX/XX/XXXX at {$21.00}, {$290.00}, {$570.00}, {$610.00}, {$1.00}, XXXX, {$1600.00}, {$2900.00} for a total of {$7800.00} in charges I did not make. [ this pattern of sequential charges in increasing amounts was the same with the other two cards ]. When contacted, Citibank fraud representatives first stated that the charges would be removed ( as well as interest fees relating to the charges ) and that I should just continue making the minimum payment on my actual balance on the card. They did not remove the fraudulent charges and began charging interest and late payment fees as these charges exceeded my credit limit thus making my minimum payment {$5800.00}! When contacted again, they said they would open an investigation. I then received a letter stating they concluded their investigation, that there wasn't enough support to resolve the dispute in my favor, and that they were closing the investigation. I did not make these charges and I understand that in accordance with the Fair Credit Billing Act, liability on stolen credit cards is limited to {$50.00} ( though I still have the cards so my liability really should be nothing. ) Nevertheless, because of Citibank 's unwillingness to treat me fairly I have since been denied for a home equity loan and another credit card ( not part of this fiasco ) sent me a letter denying me further credit.
Product: Credit card or prepaid card

I have a XXXX XXXX line of credit through Comenity. Their payment site has been down for some time now ( about a week ) and my payment due date is on the XXXX and I usually schedule a payment in advance and now I fear that my payment is going to be marked late with the bureaus and hit with a fee. 

Many others are having this issue as well. Phone lines are down and I am unable to get assistance anywhere.
Product: Mortgage

I made sure lender Roundpoint Mortgage Servicing llc. is aware that I have a homeowners policy in place and I am not going to pay for any policy they purchase. I have already sent proof there was no lapse in my insurance on XX/XX/year> by uploading it to their website as requested in a letter I received that day. I got another letter from them on XX/XX/year> so this time I emailed the proof of my insurance to them while on the phone with their representative. She confirmed she received it. 

Today the mortgage company advised in email : " We are reaching out to advise of the escrow disbursement recently completed on your behalf. Please see the information regarding this disbursement below : Disbursement Date : XX/XX/year> Disbursement Amount : {$2300.00} Disbursement for : Insurance Please note, this email is intended to be used for informational purposes only. There is nothing needed from you at this time for disbursement. '' I responded by attaching the proof of insurance to and sent to them. Since there has never been a lapse in coverage on my policy I am not responsible for any policy they take upon themselves to purchase. 

It seems they are unjustly ignoring the proof of homeowner 's insurance coverage so they can take money they are not entitled to.
Product: Checking or savings account

My checking account was hacked and someone used it to pay XXXX dollars to themselves and I informed chase and they didnt want to reimburse me for the fraud and it happened around XX/XX/XXXX, and XXXX.
Product: Student loan

On XX/XX/2024 I received a letter from ECMC stating that I " did not pay the full balance of your defaulted federal student loan within 60 days of the notice of default. '' I never received any correspondence from this company. I was never notified that they were my loan servicer, how to pay, or my total balance. They gave my debt to a collection agency and reported my account as delinquent and in collections to the credit agencies. How can my account be deliquent if I was never notified that ECMC was handling my student loan?
Product: Credit reporting or other personal consumer reports

My Student loan account is on a forbearance, no payment is due while the account is being consolidated. My account is showing a past due amount due for the months of XXXX and XX/XX/XXXX. Please remove the negative credit rating from those two months. No payment is due on this account until XXXX XXXX. 

My account has never been late, I have never not paid. The account is on a forbearance please correct my credit rating.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) Your consumer report should not include transactions or experiences, my line of credit and payment history are a record of transactions which is a clear violation of 15 U.S.C 1681 ( A ) ( 2 ) i EXCLUSIONS. ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report. Also, it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information 15 USC 6802. Nonpublic information means- personally identifiable financial information provided by a consumer to a financial institution resulting from a any transaction with the consumer or any service performed for the consumer 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 : " As a financial institution, [ Furnisher of Information to Credit Agencies ] must adhere to these obligations. My financial history on Experian, Equifax, Trans Union is not public information and should not be furnished on my credit report. Please remove all transactional history including payment history, any late payments, utilization rate ( should say paid as agreed ) etc. Thank you for understanding and your compliance.
Product: Mortgage

Increase of mortgage amount on : - XX/XX/2022 by {$93.00} - XX/XX/2022 by {$36.00} We have a fixed interest rate mortgage and never agreed to any escrow increases.
Product: Credit reporting or other personal consumer reports

Attention Fraud Department Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of a canceled debt by your company. It has come to my attention that your company has failed to comply with the requirements outlined in the Internal Revenue Code ( IRC ) section 6050P, which governs the reporting of canceled debts to both the Internal Revenue Service ( IRS ) and the debtor.

Upon reviewing my credit report, I discovered that a debt owed to your company has been reported as canceled or forgiven. However, I have not received a Form 1099-C, as required by law, to report this canceled debt to the IRS and to me as the debtor. This failure to comply with IRC section 6050P not only places your company in violation of federal tax laws but also has serious implications for my credit report and financial well-being. 

As a result of your company 's non-compliance, I am demanding the immediate removal of the XXXX from my credit report. The inaccurate reporting of this canceled debt is unjustified and misleading, and it adversely affects my creditworthiness and financial standing. Furthermore, the failure to provide the necessary Form 1099-C deprives me of essential information needed for accurate tax reporting.

I urge your company to take swift action to rectify this situation by : 1. Removing the XXXX from all major credit bureaus ' records, including XXXX, XXXX, and XXXX. 
2. Providing written confirmation of the removal of the account from my credit report within 15 days from the date of this letter. 

Failure to comply with this demand will result in further escalation of this matter, including but not limited to filing complaints with relevant regulatory authorities and seeking legal recourse to protect my rights as a consumer. 

Please acknowledge receipt of this letter and provide confirmation of the actions taken to address this issue. If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me, this information is inaccurate and affecting my livelihood. Per UFC 1681c-2, I want this account removed from my consumer report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any trans

action ( s ) that I have made. It is the result of Identity Theft. I sent letter months ago & nothing happen.
They are in violation & told me 30 days when I had fraud. A identity theft with police report I had attached as well ; they are in major violation.
Product: Credit reporting or other personal consumer reports

As I was reviewing my consumer report I came across an account that does not belong to, me I contacted the following companies, XXXX XXXX, L.C.I., XXXX, XXXX, along with XXXX. I disputed the account asking for verification of the account. I then received a letter from XXXX XXXX, XXXX, XXXX as well as XXXX, that said the account was verified by the creditor. I then contacted the creditor witch in this case is the UNITED STATES BANKRUPTCY COURT ... .I then received an answer stating that the UNITED STATES BANKRUPTCY court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies. This is un acceptable the credit bureaus are committing FRAUD ...... Placing inaccurate, incomplete erroneous information on my consumer report violating the FAIR CREDIT REPORTINGACT and the FAIR DEBT COLLECTIONS ACT. This information is inaccurate the creditor stated that they did not verify this information making it illegal and a violation of state and federal law to place this account on my consumer report, Please delete this account immediately
Product: Checking or savings account

on XX/XX/2020 i submitted a complaint about usaa federal savings transfering XXXX from my savings account to my checking account then wire transfering XXXX to an individual without my verbal permission. refer to complaint # XXXX when i realized this was a scam i called the bank and told them that my identify had been compromised.to please my accounts. a lady named XXXX at ext XXXX answered my call and did not freeze my accounts. i was not given a chance to stop payment on any of this. i spent a lot of time trying to resolve this. even after the bank closed the investagation i kept trying to resolve this scam and get my money back in my savings account. i have spoken to XXXX XXXX at ext. XXXX and XXXX XXXX at ext. XXXX they keep blaming me for giving security imformation to the scammer. i did not do this. on about XX/XX/XXXXi emailed ceo XXXX XXXX for help with my situation. on XX/XX/XXXX i reseived a call from the ceo office. i dont remember the ladys name i talked to but we discussed the case. in the discussion it was revieled to me that XXXX had not followed proper protocall. this was never brought to my attention. this bank was hideing this. also it has been brought to my attention that this bank has been giving out my saving act # instead of my checking. this was revield in a 3 way call with usaa.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Auto Loan account number XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX XXXX  I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint against Transunion for unlawfully re-reporting a previously deleted XXXX account on my credit report without following the proper reinsertion procedures outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

According to the FCRA, if a previously deleted account is reinserted, the credit bureau must : Ensure the information meets reinsertion requirements ( XXXX has not provided proof that these steps were followed ). 
Notify me in writing within five business days of reinsertion ( I was not notified ). 
Provide me with the name, address, and contact number of the furnisher of the information ( XXXX failed to provide this ). 
Since XXXX has violated this law, I request immediate action to : Remove the XXXX account from my credit report due to its improper reinsertion. 
Hold XXXX accountable for violating the reinsertion provisions of the FCRA and ensure they comply with reinsertion requirements moving forward. 
I request a prompt investigation and written confirmation once this issue is resolved. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

In XXXX of XXXX I entered a payment arrangement with this company for medical debt for my child. In XXXX of XXXX I agreed to pay the amount in full and was told it would be removed from my credit. Since then I have been getting monthly notifications that this company has been reporting a collection to my credit report with a {$0.00} balance which is significantly hurting my credit. 

On XX/XX/XXXX I called to see what can be done about it. The gal I spoke to said too bad and they almost took legal action on me a year ago so shes going to keep reporting it. I told her thats really uncalled for and not sure how she sleeps at night with that intent. She responded I sleep very well. 

I worked to pay this creditor off and am still suffering the consequences as if Ive never paid them. They are rude, inconsiderate and quite crass. 

This company is Budget Control Services in XXXX, Colorado. 
XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hello stephens and michaels called me and said i owed XXXX from XXXX and when i talked to the lady she gave me an address i nver ever lived at before. So i called XXXX to verify that they sent it to them for collections and come to find out they never did this debt agency is a scam they are gon na mail ne something in the mail and verizon said they never sent it to them. They tried to give me a deal and they were so rude and wanted my personal information and trying to collect money for something they dont have or i dint owe