23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CMRE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX original creditor : XXXX XXXX XXXX Account Number : XXXX Original Balance : {$3500.00} I have contacted this collection company three times in writing to validate the Debt and requested HIPPA authorization, my signature in ink and they provided me with a list of some medical supply and procedures performed without my signature and claiming {$4500.00} where the document states XXXX balance. 
This Collection company violated Fair Debt Collection Practices ACT 16 usc 1692g : They failed to provide me with a signed signature in ink Failed to provide it is a violation 15 usc 1681 a ( b ) list of description based on payments violation 15 usc 1681a ( e ) reminder any factual information being reported is a violation 15 usc 1692e ( 2 ) ( A ) false or misleading representation They Violated The Public LAW 104191 SEC. 1177 Wrongful disclosure of individually identifiable health information. 
and they Violated my HIPPA Rights : I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested my annual free report to CrossCheck locate en XXXX, CA. This company answered me with a PERSONAL STATEMENT, which was written by XXXX XXXX, in which he stated that THERE WAS ANYTHING NEGATIVE IN MY REPORT. I responded to Mr. XXXX that I appreciated his PERSONAL OPINION, but I was requesting my report. Mr XXXX promised to send my report, but for my surprise, he sent THE SAME INFORMATION THAT HE HAD NOT FIND ANYTHING NEGATIVE IN MY REPORT. I Called again to CrossCheck, but now he hung up the phone or the secretary doesnt answer me the phone. I REQUEST MY REPORT. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2019 IS REPORTING A 30 DAY LATE PAYMENT. 

EXPERIAN FAIL TO VALIDATE THE 30 DAY LATE PAYMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 FRONTLINE ASSET STRATEGI Original Creditor : FRONTLINE ASSET STRATEGI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on FRONTLINE ASSET STRATEGI 11 XXXX XXXX XXXX Original Creditor : FRONTLINE ASSET STRATEGI XXXXXXXX XXXX XXXX XXXXXXXX account number ISNT DISPLAYED with a balance of {$250.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit card

I paid my XXXX payment on my Wells Fargo home improvement card early, and they did not count it toward XXXX and they charged me a late fee. Then they charged me again for XXXX
Product: Checking or savings account

I have a CD account with popular direct that I want to early close. Total interest accumulated with this CD is around {$120.00} but they are charging early withdrawel penalty of {$550.00}. Could you please investigate? 

Regards CD ACCOUNT LAST 3 DIGITS XXXX address of the bank POPULAR XXXX XXXX XXXX XXXX XXXX XXXX, FL United States XXXX XXXX XXXX XXXX : XXXX
Product: Payday loan, title loan, or personal loan

agrred to a settlement paided it but still shows up as open depet
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts reported on my credit file, in accordance with **15 USC 1681c-2 ( a ) **. As a victim of identity theft connected to the Equifax data breach, I have noticed accounts or inquiries that are not authorized by me. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that Equifax immediately block and delete the following fraudulent accounts and inquiries from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : FORMAL COMPLAINT TO DELETE INACCURATE AND UNAUTHORIZED INFORMATION. 
THE FOLLOWING INQUIRIES LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. THEY WERE NOT AUTHORIZED. 

XXXX XXXX XX/XX/XXXX NOT AUTHORIZED XXXX MORTGAGE SERVICE- XX/XX/XXXX NOT AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLUS- XX/XX/XXXX NOT AUTHORIZED According to fair credit reporting act, 609. disclosures to consumers [ 15 u.s.c. 1681g ], you have 30 days to investigate these accounts and delete them if they are not verified correctly from the creditor. I demand a signed contract with my signature in ink from the creditor. I demand the name, account number, the payment terms, the status of the account, the amount past due, the payment amount, the date the account was opened, date of the last activity on the account, and the balance due on the account sent to me.

The fair credit reporting act 611. procedure in case of disputed accuracy [ 15 u.s.c. 1681i ] states an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 u.s.c. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I DEMAND ALL UNVERIFIED AND INACCURATE INFORMATION TO BE DELETED FROM MY CREDIT REPORT. 

PLEASE SEND AN UPDATED COPY OF MY CREDIT REPORTS, PERMISSIBLE PURPOSE, PROOF I INITIATED INQUIRY, SIGN DOCUMENT OF MY SIGNATURE FOR INQUIRING THE LOAN, AND THE RESULTS OF YOUR INVESTIGATION NO LATER THAN 5 DAYS AFTER DELETING THE ACCOUNT.
Product: Student loan

I attended 2 Universities, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am in the process of paying XXXX monthly under the IDR program, no problems with that Loan Processor. However, the nightmare is with Nelnet. 

Nelnet I have repeatedly sent emails through their site and my personal email to address the problem that Nelnet isn't honoring the proper procedures under the SAVE Program for which is applied for loan # XXXX. However, they are processing loan # XXXX under the SAVE Program. In my emails which have been a total of 7 of them, I have addressed several issues, one being the letters of my account being past due and the threat of sending delinquent information to the credit bureau but most importantly why are you not processing my loan under the SAVE Program? Nelnet has not worked this account under the SAVE Program and on the Federal Student Loan website where I applied for the SAVE Program both loans # XXXX and # XXXX are listed together and I applied for the program on both loans. I called Nelnet on several occasions and was on hold for over an hour. I decided to stay on hold for one occasion and was on hold for over an hour. I finally got a customer service representative who I was on the phone with for another hour because she couldn't figure out along with a supervisor why their system is not capturing loan # XXXX. At this time, they state that I owe {$700.00} monthly on the XXXX ( impossible for me to pay but at least they are still working on this one and repayment has not been initiated ). However, loan # XXXX has been in repayment since XXXX, and is now at a total of {$700.00} due by XX/XX/XXXX. Loan # XXXX has never been processed under the SAVE Program or acknowledged that it should be. I have never received any responses to the 7 emails sent and the representative who tried to correct this erroneous mistake deferred the payments but somehow it was removed and back in repayment stating 90 days past due. Nelnet isn't compliant with responding to emails or correcting their mistakes. I am living in fear every day that they are going to report me to the correct bureau. I applied for the SAVE Program because I can not pay 3 loans ( 2 with Nelnet and one with XXXX ) at the payments established without an Income-Driven Repayment Plan/SAVE Program allowing me to pay payments according to my income. My payments with XXXX are on my income and I received notice to resubmit my income documentation so that my payments can continue under the current amount. This is the way it should be handled. I don't understand what Nelnet is doing and why they have selected which loans to process under the SAVE Program. Also, I have a problem with them not responding to my countless numbers of emails regarding this issue. 

Last, I'm not sure if this matters but one of the loans is over XXXX XXXX XXXX, XXXX to be exact ( not sure if XXXX is the holder of that loan or Nelnet ) and that loan is 3 times how much I initially received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw a car loan from XXXX, and it is charged off, which is not my account, but it is stays on my credit report for long time. 
I call Experian today ( XX/XX/2022 ) ask them to remove that from my credit report, they told me I have to come to FTC.GOV to file a claim, then submit a document to their website. So they can help me remove that fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I transferred a balance from XXXX active credit account to another active account to take advantage of a 0 % APR promotion on balance transfer in mid XXXX balance amount {$4000.00} from XXXX XXXX to XXXX XXXX. The balance was transferred successfully and my new XXXX score dropped XXXX points. Upon further investigation my account XXXX XXXX XXXX that had the balance transferred was incorrectly displayed due to the statement balance being generated on XX/XX/21. This occurred XX/XX/21. I have since filed XXXX disputes with the credit bureaus and spoken to a representative at XXXX. I was informed that while I had not done anything wrong there was nothing I can do to regain my original credit score and that the points might be reinstated in the future. I am planning on purchasing a vehicle soon, and was in the market for a new credit card, and my borrowing opportunities have been severely limited due to a mistake in reporting that apparently can not be resolved. I was even informed that while this is not fair the credit score benefits the lender more then anyone else, and I had no options. This is absolutely unacceptable and I request that something be done to rectify the situation. My biggest mistake was utilizing the resources that I had available to avoid any sort of interest payment by intelligently transferring my balance to a non-interest accruing location. It does not seem right or fair that I am now suffering consequences for being pro-active with my finances. I have attached screenshots showing my XXXX account at {$0.00} balance as well as a statement from XXXX. I also attached screenshots showing my XXXX XXXX taking a XXXX point plunge, and only rebounding by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

i, am a victim of identity theft from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX. These companies has fraudulant accounts on my profile that needs to be removed immediately.
Product: Checking or savings account

Update On Your Claim Claims Resolution, XXXX XXXX XXXX XXXX XXXX TX XXXX Account ending in XXXX Date XX/XX/XXXX Claim number : XXXX Amount : {$4800.00} XXXX, were unable to approve your recent claim.

Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : The charge was authorized by you or made by someone who has permission to use the card or account. 
Whats next The credit ( s ) for {$4800.00} that was applied to your account will be removed on XX/XX/XXXX, along with any credit ( s ) for fees related to this claim - you ll see the adjustment ( s ) on your monthly statement.

I am the only authorized person on my account. These transactions were never done by me or my phone. The bank sent me in circles. I never authorized any of these charges! I don't have a XXXX account or XXXX XXXX. The bank should have called me directly. They stopped other charges on their own why not stop these charges! It wasn't me!! How can they allow these transactions to go thru especially knowing all the fraud.These and more charges were done at same time! How can they hold me accountable and not contact me if they denied following transactions. How are they able to allow XXXX XXXX  from another phone? They say I authorized it well then why deny following claims obviously suspicious. The bank failed me and now allowing me to take the fall.Help me please
Product: Credit reporting or other personal consumer reports

My right to privacy is fundamental. I have a right to choose what I want disclosed. However I did not consent to, authorize nor benefit from these inquiries listed on the Indentity theft report.
Product: Debt collection

I am presently, not only in dispute with my contractor, there is a pending case in the superior courts of XXXX XXXX due to many elements including fraud and bait and switch. 
The Contractor has a close relationship with the CEO XXXX XXXX and therefore sent me to his collection knowning there is a pending case. 

When I was contacted by the collection company I had informed them by registered email, I am disputing the claim and there is a pending action in court. 

XXXX XXXX had continue to contact me personally with threats, robo calls, emails, and has violated my cease and desist letter that was signed and sent by certified mail. He has ignored the letter and has continue to contact me He thinks is above the law. I am reporting his tatics.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these delays and the lack of resolution are potential violations of federal law, specifically the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681e ( b ). This section mandates that consumer reporting agencies must adhere to reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. Given this, I kindly requested that Experian provide me with a detailed description of the investigation process as outlined in 15 USC 1681i, Section 611 of the Reinvestigation Procedure.

I must emphasize that, as per 15 USC 1681i, Section 611, a consumer reporting agency is obligated to furnish the consumer with a description of the investigation no later than 15 days after receiving a request. Unfortunately, this timeline has elapsed without any communication or compliance from Experian.

Furthermore, I draw attention to 15 USC 1681, which addresses the treatment of inaccurate or unverifiable information in general. It stipulates that upon completion of a reinvestigation, if any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency is required to promptly delete or modify the relevant item of information. To my dismay, there has been no such corrective action taken by Experian. 

These persistent issues not only violate federal law but also inflict significant harm on me and my family. The evidence and documents submitted to Experian and other credit reporting agencies have not received due process, thereby undermining my consumer protection rights. 

I urgently request your immediate attention to this matter and a comprehensive investigation into the inaccuracies on my credit report. As a consumer seeking fair and accurate credit reporting, I anticipate your prompt adherence to the FCRA guidelines outlined in this letter. 

I look forward to a swift resolution and appreciate your cooperation in rectifying this situation.
Product: Debt collection

The apartment bill me a year after i moved out.They bill me for about {$2.00} XXXX and said i did not pay rent.I gave them a 90 day written letter, turn my keys, and i got a walk thur letter.I even gave them my foward address which is my current address now.The said i was evicted and did not turn in my keys.That was not true i follow all the rules of the lease ending.I have been writing them only get dead end and lies.I need help get this off my credit.
Product: Debt collection

i was looking at my account credit report and see that i had things that i no knowledge of and i it had to be a fraud
Product: Debt collection

We recently started our mortgage with PHH Mortgage Service, and it was the worst and unprofessional service I can ever imagine. 
My first payment due is on XX/XX/20 and my loan underwriter transferred my check ( in full amount ) on XX/XX/20 by USPS certified mail, according to the tracking record, they received the mail on XX/XX/20, but since then I called multiple times to verify with them on timeline they will cash the check and apply it to my account. They keep stating that they didn't receive the check although I provided the USPS tracking number, my XXXX check number. Time though end of XXXX, they still didn't cash the check and end up sending me a letter stating that they are " not in receipt of the check '' dated on XX/XX/20. 
So immediately after that ( XX/XX/20 ) I provided another check with 2 months worth of the mortgage payment to cover both my XXXX and XXXX dues. They cashed that check on XX/XX/20. At the same time, I scheduled my automatic payment on their service portal starting XX/XX/20 and thinking finally I straight out this frustration and since usually the first payment have a greater grace period, I should be no problem on delinquency issue. 
Suddenly they also cashed my original XXXX check on XX/XX/20. So I called them again telling them I have already scheduled my direct debit ( or auto payment ) starting XX/XX/20 and over the phone they verified the account status is normal and they agree that there is an one month worth of mortgage overpaid. So I request a check back to me since paying 3 months worth of mortgage from my bank account within one month does create some cash flow pressure. 
I received this reversal check in mail on XX/XX/20 but they also sent me a separate letter stating that my auto payment get canceled due to the status of my loan. I called to verify the reason on the cancellation. The answer I get over the phone is that they see ( 1 ) a reversal fund request and ( 2 ) my account status is delinquent. I told them they are not stating the truth and all the frustration are caused by their fault at the very beginning on how they handle my first check. At this point, they agreed to see if they can reinstall my auto pay request back so that I don't have to again sent them another paper check. 
During this whole process, I feel they are creating hassles and problems due to their poorly designed service and poorly managed representatives team - I have to repeat my problem over times and I receive a lot apologies over the phone but really not getting problem solved effectively. To set a mortgage account straight is not hard rock science and it only requires a bit professional care that they suppose to do. And to answer some regular request in absolutely normal course of business shouldn't be this problematic. I don't have faith on them to maintain my mortgage account accurate at this point. I will definitely look at all options I have to transfer to another one if possible.