23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATEXX/XX/XXXX CREDIT COLLECTION SVCS 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. 

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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 CREDIT COLLECTION SVCS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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.

Equifax 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

In XX/XX/XXXX I entered in a consolidation agreement with a XXXX XXXX XXXX to consolidate my student loans with AES XXXX XXXX XXXX. I contacted AES and was informed that my student loans would be in forberance while the loan was getting consolidated and paid by XXXX which would take around 2 months. The loans were consolidated and AES was paid in XX/XX/XXXX. However, AES has since then continuously reported 60 days late on my credit profile even though I should have had a temporary forberance period. I have written to AES to request a good faith removal as this was not reported accurately. AES refuse to grant my request. AES has reported 60 days late in XX/XX/XXXX to XXXX and XXXX credit reporting agency and has reported to XXXX 60 days late for XXXX and XX/XX/XXXX even though they were paid and the accounts closed in XX/XX/XXXX. Their report on my credit profile are inconsistent and incorrect as some loans state late XX/XX/XXXX and others state late XXXX and XX/XX/XXXX. They have reported the loans were paid XX/XX/XXXX, XX/XX/XXXX XXXX agency and XX/XX/XXXX to another agencies. These dates are not consistent. The reporting is inaccurate. AES was paid off in XX/XX/XXXX, so how can they report 60 day late for both XX/XX/XXXX and XX/XX/XXXX. Please I urge someone to look into this company 's and credit reporting agency unfair credit reporting practices.
Product: Mortgage

I started a loan modification with Citi mortgage in 2011 which was supposed to combine a XXXX & XXXX. I was making payment under a trial period until they qualified me for the modification. Niine months into the process they sold the loan to XXXX after 9 month of making payments which never reduced my principle balance and also they reported me late during the time I was making the agreed payments. XXXX service called me and said they were starting foreclosure because I had n't made a payment in 9 months. I hired an attorney and all they agreed to do was start another modification. I agreed because I was afraid of losing my home.I was told I 'd only have XXXX mortgage so I assumed when Citi sold the serving it included both the XXXX and XXXX because they were differing ,XXXX of the {$26000.00} I owed on the XXXX. Now the loan has been transferred once again to XXXX and they are stating the deferred amount is {$24000.00} which is {$10000.00} more than I agreed to in the signed loan modification agreement with XXXX. My rate is 7 % so I 'm trying to refinance my loan with a lender I know. I 've been told I have XXXX liens against my property and XXXX of them was a XXXX from Citi. I requested my note from XXXX over 45 days ago and they still have n't provided it. Citi reported to the credit bureaus ' that the original XXXX was paid and closed that is why I thought it was transfer to XXXX and was the deferred portion of my current payoff. How can they do this? Say it 's paid and closed and refuse to provide me with a lien release. They are holding me hostage so I 'm not able to refinance to a lower rate. My complaint involves XXXX companies Citi ( original lender ), XXXX ( XXXX servicer of my loan and loan modification provider ), XXXX ( current servicer of my note which they have refused to provide in a timely manner and have added XXXX to the deferred portion of my payoff, which was not supposed to collect interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XX/XX/XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance.
Product: Credit card

This complaint is related to my previous complaint filed under # XXXX. The person by name XXXX who responded to my complaint indicated that I needed to fax to a specific number copy of my driving license and a copy of one bill which I did on XX/XX/2024. Now is XX/XX/2024, and no transfer of the reward balance was made. This is another indication that Citizens bank harasses us, XXXX citizens and national minorities and provides fraudulent responses to our complaints to CFPB.
Product: Debt collection

On XX/XX/XXXX, I wrote to Phoenix Financial Service regarding an unknown account they are reporting on my credit under account number XXXX for a sum of {$1900.00} and mailed it by certified delivery via USPS. Please see the attached letter descibing my situation and requesting validity of the account as I am experiencing issue with my personal identity and need to confirm the correct owner of this account. I have not to date received any response to my certified mail and have not witness the account deletion from my credit files. 

Furthermore, please see the attached documents stating that I had effective medical insurance from XXXX to present and I want this derogatively reporting account removed from my ( 3 ) credit bureau files.
Product: Credit card

A credit card was opened in my name at XXXX XXXX in XXXX of 2023. I immediately reported this as a fraudulent account to XXXX XXXX, who investigated and found the credit inquiry and the credit account to be fraudulent. The claim number for that investigation is XXXX The findings of that report were then sent to the three credit bureaus on XX/XX/2023. 

On XX/XX/2023, I submitted a dispute with Equifax to have the inquiry and the credit account removed from my credit report. Equifax claimed that they never received any documentation from XXXX XXXX showing that there was an investigation or that the account was found to be fraudulent. 

On XX/XX/2023, I called XXXX XXXX and requested that the investigation report be resent to the credit bureaus.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. 
I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form 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

I have an extended fraud alert on my experian and XXXX  credit reports that are preventing the proper information to be processed on my credit. I have contacted both bureaus to address this issue with no success
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXXXXXX XXXXXXXX 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. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I requested for a refund of all my federal student loan payments made since XX/XX/2020 per the CARES act. This refund was initiated and requested late XXXX, and from the customer service, they stated that it would take roughly 3-6 months. This is ridiculous, and I have not heard any sort of confirmation from them. I would like some sort of confirmation that my refund was requested and processed sooner, as it is ridiculous to have to wait 6  months for my refund to go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  accounts XXXXXXXX XXXX XXXXXXXX / XXXX 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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.
Product: Student loan

Subject : Urgent Request for Assistance - Cancelled Refund and Miscommunication with XXXX XXXX and Aidvantage To Whom It May Concern, I am writing to request immediate assistance from the Consumer Financial Protection Bureau regarding a severe issue I have been experiencing with XXXX XXXX and Aidvantage regarding my federal student loan refund request. 

I am a federal student loan borrower and have been trying to request a refund in the amount of {$18000.00} with XXXX XXXX since XXXX. Despite multiple attempts, my refund request was cancelled and my account was moved to Aidvantage without any prior notice or communication. 

I have followed up with XXXX XXXX multiple times, but they have not been able to provide any solutions or assistance and have instead directed me to reach out to Aidvantage. However, none of my paperwork or account information has been transferred over to Aidvantage, making it extremely difficult for me to follow up and proceed with my refund request. 

I am extremely dissatisfied with the level of miscommunication and lack of assistance provided by both XXXX XXXX and Aidvantage. This experience has caused me a great deal of stress and financial hardship, and I am urgently requesting the CFPB 's assistance in resolving this matter as soon as possible. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, 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. 
XXXX ( Original Creditor : XXXX 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 an account without my written instructions
Product: Mortgage

In XXXX my husband and I filed for bankruptcy. We filed chapter XXXX, so that we could make payments and keep our house. During the course of our bankruptcy our mortgage was sold a couple of times and ended up with a company called Shellpoint. Since they took over our mortgage is XXXX of XXXX they have refused to take out payments causing us to fall behind in our mortgage. I have tried calling them only to be transferred from person to person and putting on hold literally for hours at a time. I have tried emailing them with no response and sending faxes. They are claiming that we are 30 months behind when they have not even held our mortgage that long and all past due payments were made to the pervious mortgage companies. There negative reporting has also had a dramatic effect on our credit scores which we have been trying to rebuild post bankruptcy ( our bankruptcy was discharged in good standing XX/XX/XXXX ). We just need them to communicate with us, so we can make arrangements to pay our default which they have caused by not accepting our payments.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX  XXXX Account Dear CFPB, I am writing to dispute inaccuracies in the reporting of my XXXX  XXXX account ( Account # : XXXX ) on my credit report. This is my second dispute regarding this issue, as no changes have been made since my initial request submitted on XX/XX/XXXX. 
Details of the Disputed Account Account Number : XXXX Account Type : Revolving ( Credit Card ) Account Status : Paid Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Balance : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Disputed Late Payments I noticed that two late payments are inaccurately reported for this account : XX/XX/XXXX XX/XX/XXXX These payments were made on time. The reporting of late payments is inaccurate and negatively affects my credit report. I am requesting that you confirm the account status remains " Paid As Agreed Never Late '' and ensure that no errors exist in your records.

Request for Investigation and Documentation Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), I kindly request : A detailed description of the investigation process used to verify this account 's information. 
Documentation of the evidence supporting the reporting of late payments. 
If you can not provide verifiable proof of the alleged late payments, I request that the account be updated to reflect its accurate status as " Paid As Agreed Never Late. '' Attachments For your convenience, I have included the following : A copy of my government-issued ID. 
A copy of my Social Security card. 
Proof of my address. 
A copy of my current credit report showing the account in question. 
Thank you for your prompt attention to this matter. Please respond within the legally required 30-day timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I had never used XXXX XXXX before, so not sure who had applied on my name and cost me {$310.00} charges from Collection agency. My credit score was lower down by over 100 points yesterday.

Some one used my personal information and open an account on my name, this is an Identity Theft.

Kindly help me to restore my Credit score as per my original settings.

Sincerely.
Product: Debt collection

I received an email from XXXX XXXX on XX/XX/XXXX that my debt collections just increased. I don't have any credit cards, loans or debts, so I quickly went to look. I'm being charged by XXXX XXXX XXXX XXXX in XXXX, Tennessee since XX/XX/XXXX ( via Wakefield and Associates also in XXXX, TN ). I've never been to this clinic, and only ever have been to XXXX once. I have no idea how they would have my name or information to charge me. I filed a dispute with XXXX via XXXX XXXX  on XX/XX/XXXX, and they reported saying it was accurate. This tells me someone took my information and opened up an account or charge in my name. I've filed a second dispute on XX/XX/XXXX. I looked up this clinic, and this has happened to MANY other people! This place is known for fraudulent activity. My identity has been stolen, please someone help me. They are falsely charging me {$1400.00}.
Product: Credit reporting or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

All of these accounts have miss information, whether it be my address, the amount owed or charge off or active. I did not provide my signature nor have they provided me with proof of my signature of these debts. I was a victim of the most recent Identity theft and the Equifax XXXX data breach and the XXXX and XXXX data breach. As the Law demands, I demand the following be removed with 4 days of receiving this message. 


I demand the these accounts be removed immediately. 

Name of Account Account Number Verification XXXX XXXX Identity Theft. 
XXXX XXXX  Identity Theft. 
XXXX XXXX XXXX - XXXX XXXX Identity Theft. 
XXXX XXXX XXXX  Identity Theft. 
XXXX XXXX Identity Theft. 
XXXX XXXX Identity Theft. 
* Please remove all non-account holding inquiries over 30 days old. 

* Please add a XXXX Suppression to my credit file. 


Thank You, XXXXXXXX XXXX XXXX  XXXX, the XXXX XXXX has signed and sealed these presents the day and year first above written.