23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disputed this medical collection from XXXX XXXX XXXX account number XXXX, which was not suppose to be showing on my credit report due to HIPAA privacy rules which I stated in my letters to the reporting agencies. Furthermore, the time frame for responding to my disputes has not been met, and I need this removed. 

In addition to that, I would like this account to be removed as well from CCS Collections account number XXXX due to HIPAA Privacy.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Address Regarding Violations of Federal Law - 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2 Dear Kikoff Lending Customer Service , I trust this letter finds you well, though it is with great concern that I bring to your attention potential severe violations of federal law codes, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2.

Upon careful examination, it appears that there may be issues related to compliance with federal law codes. Specifically, concerns arise under 15 U.S.C. 1666 ( b ), where it is crucial for creditors to adopt reasonable procedures for verifying the receipt of billing statements. The absence of a robust system to confirm whether I, as the consumer, am physically receiving paper statements or accessing electronic statements could constitute a direct infringement of this federal law. 

Additionally, the matter of 15 U.S.C. 1611 ( 1 ) is of concern, as it explicitly prohibits the furnishing of false or inaccurate information. The lack of a reliable verification process concerning the receipt of billing statements raises questions about the accuracy of the information reported, especially regarding late payments. 

I want to highlight the gravity of these potential violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law. Regardless of prior awareness, it is crucial to address any potential breaches of consumer rights.

Furthermore, attention is drawn to 15 U.S.C. 1681s-2, emphasizing that furnishers of information to consumer reporting agencies must provide accurate and complete information. Any failure to meet these obligations could compound the severity of any violations.

In light of these concerns, I kindly request that you promptly review and address this matter. If any violations are found, I urge Kikoff Lending to take corrective action, including updating my account status to " paid as agreed '' to rectify any potential adverse impact on my credit history.

Ensuring that my credit report accurately reflects the payment history in accordance with the law is crucial. I trust that Kikoff Lending will consider this matter with the fairness and urgency it deserves. Your immediate attention to this request is of utmost importance, and I anticipate your cooperation in resolving this matter promptly.

Done in good faith.
Product: Credit card or prepaid card

I submitted two disputes that were denied on XX/XX/XXXX and XX/XX/XXXX for {$4700.00} and {$2000.00}. 

Both diaputes were submitted with complete signed and dated dispute forms and assigned police reports which detailed the theft of my property and were both denied and appealed and denied by Chime. 

I am protected by Visa snd would like for my money to be returned and have complied with bank requests and wish my money returned to me plus damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have advised the creditor and credit bureau and have they refused to remove the fraudulent accounts.
Product: Credit card

I attempted to do an XXXX XXXX cycle with a XXXX  clinic, XXXX, back in XXXX for which they fabricated medical information and committed medical fraud. They stated I had XXXX XXXX and could get XXXX XXXX XXXX XXXX. I simultaneously had my primary XXXX  perform an XXXX for which I have the medical records stating that there wasnt any follicles most likely but possibly there was one and that I was XXXX. In the end I never got the service that I paid {$8000.00} for and lost in additional {$4000.00} or so on the medication. This XXXX XXXX could not even supply me with medical records that this was attempted or anything which is another violation of medical law. I put this on my M & T bank credit card for which they did refund me the medication amount but the {$8000.00} clinic amount they are not refunding me despite the fact that the merchant stated multiple times that they would give me a refund! I have an email from the merchant stating they would email me dated XX/XX/2023 and the bank is refusing to acknowledge that and take the money back. That is in violation of United States credit laws. If merchant promises a refund, the bank is supposed to take the money back on behalf of the customer, and they are refusing to do so.
Product: Credit reporting or other personal consumer reports

My accounts 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. 

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!
Product: Debt collection

This debt started in late XXXX XXXX XXXX when I was experiencing a severe health crisis from an at-the-time undiagnosed XXXX XXXX  that made me unable to work. I did not work consistently enough to even look at my debt until this year, XXXX. No payments have EVER been made on this debt. Per XXXX XXXX Portfolio Recovery is claiming that this debt started in XXXX XXXX XXXX  when at that time my credit score was under XXXX and I DID NOT qualify for this type of card. I was temporarily homeless and didn't even have a home address for it to be mailed to between XXXX and XXXX of XXXX. 

I disputed this through XXXX XXXX  and never got a response.
Product: Debt collection

Contacted IMC credit services via certified mail, receipt, asking about a debt that showed up on my credit report. I have no idea what the debt is. It 's been over 30 days and I have not heard anything back.
Product: Credit reporting or other personal consumer reports

To better access my XXXX report, I attempted to sign up for an account via the online process in XXXX of 2023. Each attempt results in an error saying that " a security quiz '' can not be generated on my behalf. After contacting XXXX, they provided no resolution moving forward. My goal is to simply create my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Failure to Investigate and Address Disputes Comprehensive FCRA Violation To Whom It XXXX Concern, This is a formal demand for the immediate investigation and correction of inaccuracies on my credit report, which your agency has failed to address in compliance with federal law. As cited in the XXXX XX/XX/XXXX enforcement action, XXXX routinely violates the Fair Credit Reporting Act ( FCRA ) by : Failing to investigate consumer disputes adequately ; Ignoring supporting documentation provided by consumers ; Reinserting previously deleted errors without proper notification. 
Failing to block identity theft-related inaccuracies ; and Sharing inaccurate credit scores and data with lenders. 

XXXX has been found to rely on flawed processes and defective software, resulting in the misreporting of consumer data and credit scores, causing significant harm. These systemic failures have directly impacted my financial well-being.

Under 15 U.S.C. 1681i, you are obligated to conduct a reasonable investigation into disputed information and provide a detailed report of your findings. However, your failure to uphold these duties not only violates federal law but also disregards the rights of consumers like myself. 
I demand the immediate correction of the following inaccurate information : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$21000.00} Dept of XXXX XXXX XXXX {$10000.00} Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Failure to comply within 30 days will result in escalated complaints to the CFPB, FTC, and legal action to XXXX XXXX XXXX. This matter is urgent and requires your prompt attention Sincerely, XXXX XXXX
Product: Credit reporting

Transunion allows opening of personal web site accounts ( no other rating agencies do ). My ID was hacked from my previous employer. Fraudster then opened Transunion web account with my info and then ordered a credit report for TU promotional rate of {$1.00}. Transunion then recorded these transactions on my credit report. After numerous contacts to Transunion, they refuse to notate these on-line inquiries as fraudulent, they keep saying they do not matter. There seens to be a systemic issue with Transuion - number one - they should not offer persistent web accounts to individuals - since most folks would never open them and it seems like a perfect opening for fraudsters. Number two, they should allow notation on these inquiries that clearly show their fraudulent origin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICIED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASE SEE ACCOUNT LISTED BELOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO I NOTICED EXPERIAN IS THE ONLY BUREAU THAT REPORTED LATE. XXXX AND XXXX REPORTED THIS ACCOUNT AS PAID AS AGREED
Product: Debt collection

All of this information pertains to an account at U.S. Bank and in XXXX I was made a joint account holder with my elderly parent on their U.S. Bank bank account. In XXXX at or about XXXX, right after both parents passed away, my parents were removed and my brother was added to the account as a joint account holder to complete execution of their estate. At some time in or around XX/XX/XXXX/XX/XX/XXXX someone took at a line of credit, similar to a credit card, against this account. In XXXX, after the account had remained empty for some time, I called to close the account only to discover that the line of credit had been taken out and was in arrears. After this closure U.S. Bank sent me the first bank statement for this account in several years. U.S. Bank closed the account and placed it with credit bureau a month later. In speaking with the bank they stated that the line of credit would have required both account holder to sign an additional document in order to initiate the credit beyond normal signature cards for opening an account. In disputing the negative information with the credit bureaus their response was that U.S. Bank stated it was valid however, I've filed a police report stating I've not signed any document related to a line of credit, only the signature card as I was added to the account in or about XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting of credit must be a neutral process, the fact that erroneous information that reflects FICO which financial institutions rely on. There are no delinquent accounts or late payments associated with me. My credit score dropped XXXX  points overnight ( XXXX XXXX ) and XXXX XXXX lowered my score by XXXX  points based on false data submitted by credit agencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX related to incorrect data. The good to excellent credit score is a gatekeeper to wealth, careers and housing. As XXXX XXXXXXXX I have work very hard with integrity to ensure I maintain a minimum score XXXX XXXXXXXX. To have it destroyed over false information is suppressive.
Product: Debt collection

My husband and I have a loan with XXXX for our a/c unit that we unexpectedly had to replace two years ago. We were already struggling when that happened and the only loan available to us was with XXXX. We did our level best while I was employed but then I was laid off at the end of XX/XX/year>2023. I am also XXXX, which makes my job search so much more difficult. My husband explained all of this to XXXX last year, he also specifically asked XXXX to not contact me as stress is a major trigger for one of my conditions. 

XXXX did NOT notate our request for XXXX XXXX  the first time and used to routinely call me daily. I had to block the number on my phone because it was so bad. I guess they figured out that I blocked the number because they called me on a different number today. The guy I spoke with indicated that he tried to contact my husband first but still contacted me anyway when he didn't answer. His exact words were " well I wouldn't have had to call you if he had picked up. '' He also indicated that there had been damage on my credit that has absolutely no way of going away for 7 years, regardless of the situation. I reiterated my unemployment status, the fact that I was the primary income earner, I am XXXX, and my request for XXXX XXXX. The phone call I had has now sent me into a flare of my medical condition and I have had to utilize emergency medication for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date opened on the account is XX/XX/2019 and the balance reported is {$980.00} I have tried to get this fraudulent account resolved with XXXX XXXX, because I do not have all the information that was used to open the account there was nothing the company could do. I have also tried to get this fraudulent account resolved with the credit bureaus, and it is still showing up on the Experian credit report each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX a collection agency has contacted me via mail and I 've never given them my address. They are reporting fraudulently on my credit report for XXXX, it was removed from XXXX. I was in chapter XXXX the summer of 2013 and did n't discharge until XXXX. The original creditor was XXXX XXXX XXXX XXXX which I rented as part of my Car insurance and they are saying I owe them. Which I do n't because anything associated with this car accident was included in my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries I did not authorize or give permission in writing. 
TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXL ( Auto ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting a paid collection account as open. This account was paid over a year ago and although payment status has been updated to paid, the account is still reporting as open. This account has been disputed with Equifax in previous months,  XXXX ,  2017 ,  XXXX   XXXX  and again,  XXXX   XXXX  and they are not changing anything.
Product: Mortgage

I am writing to you in the hopes that you can help. My mortgage company, BSI Financial, whom my mortgage was sold to has been causing continued harassment and grief. I am a single woman working to pay my house off and this company 's only mission seems to be to continue to make it more and more difficult to do this. I came to the end of a loan modification beginning 2015 and my mortgage became at an adjustable rate. I had been making payments of XXXX and now my payments are at XXXX a month. As this lump sum was difficult to make by the first of every month I called them and asked if we could break the payments into XXXX each month and was advised that this would not be a good idea, therefore I am only able to make the payments by the end of the month and keep in mind, each month I have and I have also attached a late fee with each payment. This is the only way that I have been able to make the payment in full each month. I, in the meantime continue to get harassing calls all month regardless of what I try to tell them about my financial situation. 

Approximately six months ago, BSI Financial calls and tells me my loan is going into foreclosure if I did n't come up with something like XXXX dollars, again, keep in mind I had been making my payment by the end of each month with the late fee attached and was up to date with my payments. When I called to inquire about this, I was told that the total of my checks had not been the correct amount and to be honest with you, the way that these bills read, I have not been able to determine what I owe each month. Therefore I simply look at the regular monthly payment on the bill with taxes and fees and add the late fee. 
Regardless of the fact that my check is there every month by the end of the month, BSI Financial is holding the check in the first week, sometimes two weeks into the month before cashing it and now, I learned that they are reporting to the credit bureaus that I have late payments on my mortgage. I have been trying of obtain a refinance on my home to get myself into a more affordable situation and not lose my home and not one bank will look at me because of this. 
Another example : I had applied for a personal loan from a company who needed to see that my home was current on mortgage payments and when they looked into it, BSI Financial was appearing online as my house being paid in full. When I call to ask about it, the response was oh, that was our mistake, we will take care of it right away. 
Currently, I just received a statement claiming I now owe XXXX and my payment is current up to the end of XXXX 2015. I have made several attempts to contact BSI Financial and am put on forever hold to the point where I have to hang up. 
I have looked this company up on the XXXX site and they are not even XXXX members. I looked up this company on the consumer affairs site and there are literally XXXX complaints with the same description of consumers confused about money owed, harassment, credit destruction. 
Can someone please help me! 
Thank you for your time, XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

My information was compromised and my identity was stolen since then I have too many reviews in my report which I do not recognize since they are fraudulent. And trying to solve this problem with the companies and they don't give me an answer even in writing. 
XXXX, XXXX Account number : XXXX XX/XX/XXXX {$1800.00} XX/XX/XXXX Credit card, loan opened by the XXXX XXXX or organization XXXX XXXX XXXX XXXX Account number : XXXX XX/XX/XXXX {$11000.00} Date of when the fraud began : Date on which I discovered it : Total amount defrauded : Date of when the fraud began : XX/XX/XXXX Date on which I discovered it : Total amount defrauded : Company or organization : XXXX XXXX Account number : XXXX Date of when the fraud began : XX/XX/XXXX Date on which I discovered it : Total amount defrauded : XX/XX/XXXX {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

I bought the XXXX XXXX Limited-Edition Bundle in the XXXX website on XX/XX/XXXXXXXX  for {$860.00} through PayPal Pay in 4 installments. I never received the package so I filed a dispute on PayPal on XX/XX/XXXX as XXXX is notorious for not responding to customers. I also filed a claim with XXXX as XXXX asked. The case took a month with multiple back and forth with PayPal ( about why the case was taking longer than expected ), XXXX, and UPS ( multiple investigations about me still not receiving my package. PayPal closed the case in favor on XXXX. I called PayPal customer service and asked if there was anything else I could do and the representative said the next best option would be to dispute with my bank, so I did. I have paid XXXX ( {$650.00} ) of the installments so I disputed those and XXXX XXXX  settled in favor of me and I was credited back that money. However, I was berated with calls and messages from PayPal claiming that I owed the total amount ( {$860.00} ). I contacted my bank and they said they had already notified Payal. To be sure, I called PayPal customer service and was transferred from the general representative to the financial specialist to the Pay in 4 representative to the dispute team with no one understanding my problem. The case has been settled in my favor with my bank, thus I should no longer have to pay anything. A few weeks after submitting a claim to the Consumer Finance Bureau, I received a call from someone at corporate PayPal explicitly stating that I didnt owe PayPal anything and that they were sorry for the events. However, I tried to use PayPal credit for a purchase and I received a letter in the mail on XX/XX/XXXX stating that I was denied because this same installment was delinquent. This has probably already affected my credit score and the PayPal representative deliberately lied to me.
Product: Student loan

I 'm a recent graduate of XXXX University in XXXX, PA. I called Sallie Mae at ( XXXX ) XXXX a couple times to get a couple questions answered about their rate reduction program and extended repayment plan as I need help getting my rates and payments lowered to avoid delinquency. Each time I called, I spoke to a different person from Sallie Mae and they were very rude, shady, and not willing to help. I was lied to by the first employee after being told they do n't have a rate reduction plan. The second employee told me I 'd need to be transferred to collections for information about the rate reduction plan, but she would n't do it because she did n't think I needed help. My second question was about extended repayment and received different answers once again from both employees. Both calls made me feel like the people working for Sallie Mae are n't concerned with the well-being of those who have loans through their company.