23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have already contacted this company on different occasions and they insist that I have an alleged debt with them.

15 U.S. Code 1692a ( 5 ) ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

Where is the proof of the transaction that creates this alleged obligation to you?

They allege that I have some type of responsibility with them to return money through some contract that I have with them or some agreement by which they lent me money. They continue to violate my rights as a consumer since I have never done any type of business with said company and they continue to send me misleading communications to my address of amounts and amounts that I supposedly owe them.

They say that I am almost obligated to pay you and I ask what is the product or contract with which I did business with you? They continue to violate the laws with false communications, demanding an amount of money that they supposedly lent me. I ask them for proof of any credit transaction in my name with this company and they do not have any proof and proof is not any document with my personal information. Proof is anything of value in the form of money or its equivalent that gives them any legal right to send me all of these fraudulent communications. Account name XXXX Account number XXXX Balance {$930.00}
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have attached copies of my id
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item on my credit reports from a company called XXXX XXXX XXXX. 
It is a collections account on behalf of the XXXX XXXX XXXXXXXX Fire Department. 
It is a medical bill for XXXX XXXX and XXXX  to the hospital for a XXXX XXXX   on XX/XX/XXXX. 
The account is on my report as being opened on XX/XX/XXXX. 
All 3 CRA 's agreed to a settlement with the CFPB and the NYAG which implemented a system wherein medical debt that was reported to the CRA 's with a delinquent date less than 180 days from the date of the report would be excluded from a consumer 's credit file. 

( It should be noted that I never received a copy of the original bill in the mail even though the paramedic and hospital that took my information was provided with my PO BOX . ) First, there was no due date on the bill received from the XXXXXXXX XXXX XXXX, so to my knowledge there is no date of initial delinquency. 

Second, assuming that the XXXXXXXX XXXX  XXXX considers the date of service to be the initial date of delinquency, then the first date that this item could have been reported to the CRA 's would have been XX/XX/XXXX. ( It is safe to assume that the date of service is NOT the same as the date of the first delinquency. ) This item should be removed from my credit files at all three CRA 's because it is for medical debt which was sent to collections and reported to my credit file less than 180 days from the date of first delinquency and because there could have BEEN no delinquency considering the initial bill has no due date for payment or even a request to pay immediately. 

I have included both a copy of the current CDIA guidelines which show at the bottom of page 2 the current standard by which medical debt should be excluded : The CRAs will no longer include medical debts identified and furnished by collection agencies when the date of the first delinquency is less than 180 days before the day the account was reported to the CRAs. 


I have also included a copy of the bill that I finally received after disputing the account with XXXX XXXX.
Product: Student loan

I received a letter in early XX/XX/XXXXfrom Discover saying they had recalculated my loan terms. Before this letter, on loan ending in XXXX, I had 118 months of payments left, and the monthly payment amount was {$140.00}. With no prompting or reason whatsoever, Discover changed my repayment term on this loan to 22 months, increasing my monthly payment to {$650.00}. Additionally, Discover increased my interest rates on all of my loans ( from 4.5 % on two of them to 4.75 % and from 4.0 % on the other two to 4.25 % ). I have never been a single day late on a payment and did not request that any changes be made to my account. This letter came out of nowhere. I called Discover on XX/XX/XXXX, and was placed on hold for a total of about 25 minutes while the agent claimed she was trying to figure out what happened. Ultimately, she said she would call me back. She called back later and left a voicemail which I returned immediately, only to be unable to reach the original agent. I was again placed on hold for a total of about 20-25 minutes, and the agent ultimately told me the problem had to be sent to " another department '' and said she would call me back XX/XX/XXXX at around XXXX MST. She never called me back. 

I also sent a message through my secure messaging center with Discover, only to receive a non-response which basically cut and pasted what was written in the letter which increased my monthly payment on loan XXXX from {$140.00} per month to {$650.00} per month, and increased all of my interest rates. My master promissory note ties my interest rates to the prime rate, and the prime rate has not changed since XX/XX/XXXX. After the XX/XX/XXXX rate change, Discover promptly increased my interest rates on my accounts, so the XX/XX/XXXX rate change was already reflected in my account when they again increased my interest rates in XX/XX/XXXX. I asked Discover why my interest rates were changed and they claimed it was because of a change in the prime index rate effective XX/XX/XXXX. There was no change in the index rate in XX/XX/XXXX. Their statement that the prime rate increased was a flat lie. 

Additionally, last summer, I accidentally made two payments instead of one, and asked for a refund of one payment. Discover misallocated the payment they did not reverse, and it took 3 months for Discover to fix the problem -- and they never reverted my interest rates to the original rate. I believe they did not apply as much as they should have to principal over that time frame, collected too much in interest, and increased my interest rates in violation of the master promissory note. 

My account has always been kept in good standing, and I did not request or otherwise do anything that should have prompted a change in my repayment term or an increase in the interest rates on my loans. I believe Discover has engaged in fraudulent activity on my account in an attempt to collect more money than is due in interest charges, and to collect far more than is presently due by accelerating the repayment term in violation of the master promissory note.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Seation 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information through the credit bureaus for the company XXXX XXXX. They have done an investigation that resulted in them removing the accounts from XXXX but left the account on XXXX report. The company has failed to submit proper documentation of the debt several times. The company is blatantly ignoring my requests and leaving the incorrect accounts on my XXXX  report. The company is violating my rights and causing blemishes to my credit report with in accurate information. The account is duplicated on my XXXX report as well for the amount of {$78.00}. The account should be removed promptly from my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : Error [ s ] on consumer checking account screening report. 

Dear Early Warning, I am writing to request a correction of the following information that appears on my Early Warning System consumer report : Account Number # XXXX Date open : XX/XX/XXXX Date Closed : XX/XX/XXXX You reported this account closed for cause-purged. Please send me a copy of the validity of this debt and delete this debt from my Early Warnings report. 


In accordance with Fair Credit Act 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.

Thank you, XXXX XXXX
Product: Mortgage

Ditech has held my escrow ( personal property taxes and added interest for XX/XX/XXXX and XX/XX/XXXX, now I receive a letter XX/XX/XXXX stating that I need to pay {$3700.00} or our mortgage will go up {$480.00} and if we pay the {$3700.00} payment will still go up {$190.00}. I think that when Ditech pay our personal property taxes and insurance, they need to add it to escrow at that time and not hold it and let it add up and make our escrow short. Now we will have a big payment that we can not afford. When I called XXXX, the lady I spoke with could careless. I do n't have {$3700.00} and I ca n't afford to pay {$1800.00} either. They need to give us more options.
Product: Debt collection

Sequium solutions XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX ( debit collections ) On XX/XX/18 tried calling no answer just a message service, on XX/XX/18 I tried to challenge it on line through XXXX credit and gotten a email back saying it was valid and it's not
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts please investigate the unverifiable accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a hard inquiry that i don't recognize on XXXX and XXXX XXXX gets me a hard inquiry for a Business card application that they mentioned would not affect the personal credit score.
Product: Mortgage

Wells Fargo home mortgage has made things worse. I have tried for two weeks to simply recast my mortgage. I was told someone from that department would call me within " 24 hours '' and no one has. Then I was told to go to a local branch and apply funds for payment, instructing the teller to apply all funds to principal, as ordered by Wells Fargo. Teller incorrectly applied some funds to income. I alerted Wells to this and now they have reversed the entire payment, over {$210000.00}. Sp, my check has cleared and Wells is saying they have never received it due to a clerical error. 

I have been serially abused by this incompetent institution. How the government is allowing this institution to survive is beyond me.
Product: Vehicle loan or lease

This is the only way to report an auto lender I have not asked for lower rates due to my current financial situation. However they have called a reference and told them I'm late on my payments after I told them to stop calling and start texting, emailing, or sending information through the mail. They refused any of those methods for " security '' even though I've okayed those and only those methods of contact. I would have left phone calls available except they call 4 or 5 times a day if you don't answer. They harass people for being 30 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent account with XXXX XXXX and all three credit bureaus. Between XX/XX/XXXX inXX/XX/XXXX that fraudulent account from XXXX was deleted from my credit report. Out of spite someone internally at XXXX wireless pulled in an unauthorized credit report using my Social Security number. I am mediately was notified from my credit monitoring service. I called XXXX XXXX fraud department on XX/XX/XXXX, spoke with XXXX in which I recorded the call, XXXX admitted that XXXX ( internally ) pulled my credit to establish a paper trail against me. This was done out of spite due to me having it removed from my credit per fraud. I am seeking legal remedy, hiring an attorney as this is illegal. I never authorized XXXX XXXX to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied and received a Barclay Credit Card. Over the years I have struggled to pay this card down. In XX/XX/XXXX I contacted Barclay to plead for assistance. This was not the first time I had done this. They asked me multiple questions about my income and bills i have to pay. That is when they offered me a financial assistance program. My amount due each month was XXXX dollars. If I continued paying this amount long term, It would pay off my account. I set up automatic payments and they could only set up 12 months worth of payments. In XX/XX/XXXX, I called Barclay back to set up another 12 months of payments. On XX/XX/XXXX I went into my local credit union and met with a loan specialist. I needed to do some repairs on my house and needed a small loan. The bank ran my credit report. I was denied because Barclay has been reporting me late every month. How can this be when they take the money automatically each month. I called Barclay that day and was told when I signed up for the payment plan i was 90 days past due. I would have had to pay 3 months worth of payments upfront to bring me current. I have paid over 300 dollars since I first signed up, yet I am still past due. Today, XX/XX/XXXX, I called Barclay again and spoke to an executive specialist. She told me that my minimum due is XXXX dollars each month and that doesn't change even though they enrolled me in a payment plan. On my credit report it states that I owe XXXX a month and that I pay XXXX a month. But behind the scenes they are saying I actually owe XXXX but I am only paying XXXX. This is completely deceptive to me and anyone else on this payment plan.
Product: Mortgage

We applied for refinancing Fifth Third Bank in XXXX 2015. We filled out the application and opened an account as suggested, began our home banking, began submitting all documents and exchanging correspondence. As the months went on, several obstacles seem to arise and more documentation seem to be needed and supplied. And again more and more. Then time lines seem to pop up expire, get extended, expire and disappear. More paperwork and re-submissions. Phone calls and emails to one co-owner and not to the other so that communication was not clear ... .. Finally we told XXXX XXXX, NO MORE EMAILS OR PHONE CALLS. WE WANT COMMUNICATIONS IN WRITING VIA USPS MAIL ONLY. The next communication we received was an email from a regional manager saying that our application had expired! We already had assumed that this was fraud and that we had been taken for a " RED LINED '' ride! This was a HARP refinancing loan with our equity and XXXX mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this credit reporting agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, Experian, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 XXXXs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. THIS ACCOUNT HAS ALREADY BEEN DELETED FROM XXXX AND OTHER DATA FURNISHERS. XXXX   CONTINUES TO NOT COMPLY!! THEY ARE IN DEFAULT OF ALL METRO 2/XXXX LAWS PARTICULARLY # 5 ON METRO 2 5-POINT RULES/LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries on my credit report that I did not authorize.
Product: Money transfer, virtual currency, or money service

I used XXXX connected to my Wells Fargo online application to purchase concert tickets. The first occurance was on XXXX which I was supposed to receive 3 tickets for XXXX. I didnt receive the tickets at all and the guy claimed they were sent to his account but his brother had switched something around so he was unable to receive the funds. His name was XXXX XXXX. He gave me a XXXX account with a different name but I declined to send him more money as Wells Fargo saw that XXXX XXXX XXXX received the {$180.00}. Today I was trying to purchase tickets and was asked to use XXXX to transfer {$100.00} for 2 tickets. I was apprehensive so we agreed that he would send the tickets after I sent him {$50.00} and then once I received the tickets I would send the other {$50.00}. I sent him the {$50.00} and XXXX XXXX  received it. His name was XXXX XXXX. He hasnt responded to any of my calls or texts and wont send the {$50.00} or provide the tickets we agreed on. Wells Fargo, XXXX XXXX XXXX, and XXXX should not use XXXX for its customers as their is no consumer protection. I have filed a police report with the city of XXXX XXXX, Minnesota. I would like Wells Fargo to return my funds immediately, as there are no safeguards in place to prevent more consumer scams just like this. Please help
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX Balance : {$7100.00}.
Product: Debt collection

Portifino Recovery will not stop contacting me. I do not believe the entire debt is mine. I asked them to send me copies. Nothing happened. They have been calling from several numbers up to 10 times a day. 7 days a week. I have told them on several occasions to stop calling. I said to send me a copy of the bill. nothing. I told them if they will remove the negative remarks in total from my credit, and show the actual amount i owe, i will pay. they said I have a better chance of getting struck by lightning. I have blocked them on at least 10 numbers, and they call from more. daily. I keep not answering. when I do answer, i keep saying please refrain from calling this number anymore.
Product: Mortgage

I  XXXX   XXXX  was denied refinancing f rom Credit Union Mortgage Association  due to interior appraisal. No details were provided to me. Appraisal structure is fine {$300000.00}.   I currently have an existing mortgage with  CUMA  sinc e   XXXX   XXXX  .They clos ed the application with no chance of remedy. I received no consideration for providing a remedy.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX {$290.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Collection {$290.00} XXXX XXXX XXXX {$5800.00} XXXX Charge-off {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$440.00} XXXX XXXX {$440.00}