23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good morning, I received a phone call from XXXX XXXX XXXX representative on XX/XX/XXXX advising she was a senior litigator with her firm and was calling on behalf of CitiXXXX XXXX for a pay day loan from XXXX under my maiden name. In XXXX, I was married  and carried my married  name. I was informed that unless I took the out of court settlement offer of {$410.00} I would be sued and it would cost me upwards of {$2500.00} to resolve the debt once the lawsuit was filed. The " senior litigator '' went on to inform me that they had my address and work information and would have me served if I did not agree to the settlement at this time. I did request for the information regarding the debt to be mailed to me or sent by email in order to obtain information regarding the debt since my maiden name had not been used since XXXX. I was told that this problem needed to be resolved by no later than XX/XX/XXXX. 

Based on being XXXX  since I've been working so hard to repair my credit over the past years due to previous indiscretions and finally landed a good job, I agreed to issue payment for XX/XX/XXXX in the amount of {$410.00}. I did advise the representative that my direct deposit did not come in until later on the XXXX and payment could not be drafted until the evening or on the XXXX. She confirmed this was fine. 

Today ( XX/XX/XXXX ) I received a call from the same " senior litigator '' from XXXX XXXX XXXX at XXXX XXXX. advising me that the payment did not go through and if was not resolved today they would proceed with the lawsuit. I did inform her that she was violating FDCPA regulations by contacting me at XXXX XXXX. MST ( as I reside in AZ ) and the number she was calling from is XXXX. I also advised the " senior litigator '' that her collection tactics violate FDCPA regulations by threatening to sue me for the balance due. 

I have since put a stop payment with my bank on this payment and had previously submitted a debt validation letter on the date I received the initial call on XX/XX/XXXX. I have yet to receive any information.
Product: Credit reporting or other personal consumer reports

XXXXSubject : ** Request for Removal of Inaccurate Collection Entry Dear XXXX XXXX am writing to formally dispute the reporting of a collection account on my credit report, as it contains inaccurate information. The collection account in question, reported by [ Debt Collector Name ], is associated with [ Original Creditor Name ] and is listed under account number [ Account Number ]. 

This debt was fully paid directly to the original creditor on [ Date of Payment ], as evidenced by the attached documentation, which includes [ e.g., proof of payment, receipt, or statement from the original creditor ]. Despite the settlement of this debt, [ Debt Collector Name ] continues to report the account inaccurately to your bureau. This action violates several consumer protection laws : 1. **Fair Credit Reporting Act ( FCRA ) ** : Under the FCRA ( 15 U.S. Code 1681 ), credit reporting agencies are required to ensure maximum possible accuracy in credit reports. Reporting a collection account as unpaid when it has been satisfied with the original creditor is inaccurate and misleading.

2. **Fair Debt Collection Practices Act ( FDCPA ) ** : The FDCPA ( 15 U.S. Code 1692e ) prohibits debt collectors from engaging in deceptive or misleading practices. Continuing to verify or report a debt that has already been paid to the original creditor violates these provisions.

I request that your bureau conduct a prompt investigation under your obligations outlined in the FCRA ( 15 U.S. Code 1681i ) and remove this erroneous collection entry from my credit report.

Please find the following enclosed for your reference : - Proof of payment made to the original creditor.

- A copy of my credit report highlighting the inaccurate collection entry.

If this collection is not removed, I will be left with no choice but to escalate this matter. I may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies to enforce my rights under federal law.

Please provide me with written confirmation once this matter has been resolved and the inaccurate entry has been removed.

Thank you for your immediate attention to this matter.

Sincerely, [ Your Name ] **Enclosures** : - Proof of Payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccuracies on Equifax, XXXX, and XXXX for years but the investigations come back accurate or incomplete. The reports show I have an auto repossession which is NOT accurate. I have asked for this to be removed numerous times. I have not received any response to ANY of my letters, I have sent the letters twice.
Product: Mortgage

I applied with Selene Finance for a covid-19 forbearance, after the forbearance was up I went ahead and applied for a loan modification, I submitted all documents through emails. i have sent all the required documents, every time I called for an update Selene finance request the same documents that sent less than a week ago, they get confused with my loan number they even call me a different name, looks like they are in a different file asking me for the same documents I have sent. this is very frustrating because i have proof of email been sent to Selene. they are very upset they sound like they don't want to help me at all. every time i tried to explain that the documents were sent they fight with me over the phone inserted of searching for the document. my intentions are to keep my property is the only one i have, Selene finance is doing its best to not help, by ignoring my emails and phone calls
Product: Mortgage

While going through XXXX XXXXXXXX Bankruptcy court hearings pending-awaiting options remedies relief Company confusion Company file Motion to remove the bankruptcy stay Allowing the court to proceed to continued Work out Disccrepancy/motion to dismiss-between the companysXXXX
Product: Money transfer, virtual currency, or money service

All monies was never received or refunded back to me at allXXXX transactions and XXXX transactions and sad part they discontinued my cash app account Im a XXXX XXXX and Im not aware of their fees etc
Product: Debt collection

I received a letter from MiraMed Revenue Group regarding an alleged debt owed to XXXX XXXX XXXX. XXXX. To that end, I communicated in writing ( see attached ), regarding this inaccurate, erroneous, unverifiable entry. Miramed responded, see attached Please note, MiraMed 's letter is dated XX/XX/2022 ; however, the envelope containing the letter was sent XX/XX/2022, please see attached. This is very deceitful on their part, especially given the content of their letter states they will proceed with collection activity after the 10-day period. Please note, I am a XXXX consumer and receive Medicaid. All of my bills are covered and paid my Medicaid at 100 %. My disputes to this company were an effort for them to communicate with their client because I do not owe XXXX XXXXXXXX. Additionally, I requested they cease any and all collection efforts and return this alleged debt to XXXX XXXX. 

Their aggressive tactics to collect on this alleged owed debt continually cause me stress due to the fact that I know I am XXXX and my medical bills are fully covered. 

MiraMed has very detailed information about my treatment and medical care that violate my HIPPA rights. A third party company should not be privied to any information regarding care and services that are explicit to any medical conditions. Please see attached. This is illegal as information shared with third party collection agencies should be limited in nature and not explicit to the services so as to mitigate discrimination or bias. See attached whereby, MiraMed is clearly able to determine medical conditions. 

It is puzzling to say the least, that MiraMed can threathen to proceed with collection activity when they are at fault and wrong. MiraMed did not furnish an agreement reflecting their authority to collect on this alleged debt in the state of Texas. MiraMed did not provide a copy of all terms and conditions of the account from its alleged inception. They did not provide the name and address of the bonding agent in case legal action becomes necessary. MiraMed blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates when they received the lettes of dispute, MiraMed should return this alleged debt to XXXX XXXX and remunerate me for the violations. 

Again, I am a XXXX consumer receiving XXXX benefits and Medicaid. I know my rights and I know that my insurance covers my bills at 100 percent.
Product: Credit reporting or other personal consumer reports

My credit report is showing a charged off account from XXXX XXXX According to the FCRA I was suppose to receive a 1099c form which I never received so I am requesting that form. This account should not be being reported as a negative item to the credit reporting agencies, not only are they possibly committing tax fraud but they are also violating FCRA 15 USC 1681eb for reporting information that is not 100 % accurate. This account needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX credit card and received mile for XXXX XXXX flights in XX/XX/XXXX. Upon opening the account online I was prompted by their website to establish auto-pay, which I did with my bank ( XXXX XXXX ). I was told auto pay was the only way that I would be able to get the miles for flights.I made a single charge on this act on XX/XX/XXXX for {$3.00}. I presumed that autopay was set up so therewas no need to be concerned about making a payment. In XX/XX/XXXX I was informed via an email that my act was past due. Upon logging onto theXXXX website, I saw the single charge for {$3.00} and a series of late fees. I immediately paid the balance including the late fees, and contacted customer service and explained that I enrolled in autopay and was told that there was nothing that could be done other than mail in a complaint. Recently I received a credit report with amuch lower credit score due to this discrepancy. I kindly requested again that XXXX remove the delinquent payment from my account and provide that information to the credit agencies which said they can not do. I failed to notice emails from XXXX about an outstanding balance in XXXX, XXXX, and XXXX because I thought I was enrolled in autopay, additionally due to stress and work-related challenges because of the COVID-19 pandemic. XXXX is unwilling to remidy/adjust my credit report for a {$3.00} charge in which I believe I was enrolled in auto-pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a mortgage with XXXX XXXX through XXXXXXXX XXXX in Texas. One year ago XX/XX/XXXX Hurricane Harvey hit our area and we were approached by XXXXXXXX XXXX regarding a Forbearance Plan that would defer our payments for 3 months. We agreed to participate in the Forbearance Plan offered by our mortgage company. The date of the plan were from XX/XX/XXXX until XX/XX/XXXX and payments were to resume on XX/XX/XXXX. We started payment as per the agreement in XX/XX/XXXX. In addition, The forbearance letter clearly states that XXXXXXXX XXXX will not report the delinquency states or the entry into a Forbearance Plan to credit reporting agencies. At the end of the Forbearance we were told that the payment for XX/XX/XXXX really went to pay XX/XX/XXXX and then XX/XX/XXXX was to pay XX/XX/XXXX. 

We decided that we would just rather pay the full three months so we would not re-negotiate the loan as XXXXXXXX XXXX was requesting. We caught up the payments and made regular monthly payments. We also send them a check that they never cashed after 30 days and our bank advised we should cancel the check for our protection. Per XXXXXXXX XXXX  the check was later found in a lock box that XXXX XXXX failed to check their own mail for 30 days. We feel XXXXXXXX XXXX has failed to properly service our loan and duped us into the current situation. In short, setting us up for failure. 

We have documentation in our Loan Payment History from XXXX and will share with your company. Despite our efforts to abide and pay our mortgage, XXXX XXXX has reported me with a 60 day delinquency on my credit report. I have sent a request for XXXXXXXX XXXX to fix the 60 day delinquency problem and submitted my credit report to them as they requested. I have been waiting for over 20 days to have this issue resolved. I have also reported the error to three credit bureaus and made an official online dispute. I feel that XXXX XXXX has failed me and my family in the servicing of our mortgage loan. In addition, feel they are also taking advantage of customers who signed up for the Forbearance Plan. We are currently tying to purchase another home and the loan department told me about the delinquency. We were never informed by XXXX XXXX that were were being reported to a credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

No consent is identity theft as define in 18 usc 6802. The credit reporting agencies are in Violation of this.
Product: Checking or savings account

On XX/XX/XXXX, approximately XXXX I was grocery shopping at XXXX around the same time someone had my debit card information and purchased item ( s ) at XXXX in the amount of {$2200.00}. When I got home from shopping at XXXX, I turned on the XXXX game and they were losing so at half time I went to check my emails and that's when I saw the email from Chase stating the charge. I immediately called chase to dispute the charge and file a claim. While I was on the phone with Chase I receive another email stating I added my card to XXXX XXXX  and there was another charge at XXXX XXXX XXXX for {$70.00}. I never had XXXX XXXX  and I don't have a XXXX membership. Chase did credit back the {$70.00} but they said I authorized the XXXX charge of {$2200.00}. I faxed information from XXXX to Chase fraud stating I don't have a membership and the one I did have expired XX/XX/XXXX and my last purchase was at the food court. That was faxed on XX/XX/XXXX at XXXX The next day I filed a police report with the XXXX, Detective XXXX is assigned to my case. I gave all this information to Chase and they said they will reopen the claim. I called Chase on many occasions to get the status on the claim, only to be told the investigators are still viewing the claim. on XX/XX/XXXX again to get the status only to be told the claim was never reopened, the claims rep. escalated the claim and transferred me to a supervisor in which the Supervisor treated me like was the criminal. From what I found out the investigator never contacted XXXX and/ or XXXX XXXX to confirm if I have a membership or an account with them. I'm doing all the investigation to prove I did not authorize these charges. I really need help with this, I feel they're saying thing just to get me off the phone.
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 U.S.C 1681. ACCOUNT Name : 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. 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. 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, HDFS XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX BANK XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and EXPERIAN XXXX XXXX XX/XX/XXXX. Please remove these accounts ASAP.
Product: Payday loan, title loan, personal loan, or advance loan

After paying the refinance amount, I called the store manager and spoke to XXXX. He said that yes, I am able to refinance but hes not going to let me, because he feels like I should pay more interest first. I said, so Im eligible and able via TitleMax but you personally are not going to let me, due to your personal feelings? He said yespay more interest and then I might let you. I already paid the refinance amount and he said too bad. Im not letting you. This is illegal. I paid it already. I then asked for a District Managers number and corporates number. XXXX said no. Then he gave me the number to collections and said it was Corporate. They said no this is not, and XXXX purposely gave you the wrong number. I requested a call from the DDOwho was supposed to call me three weeks ago.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to Privacy and Confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 1681 C ( 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 1681 S-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 in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America did a hard pull on my credit report on XX/XX/XXXX  without my permission.the pull was advertised as a soft pull but did a hard pull and did not result in an credit account I would like this removed immediately
Product: Credit reporting or other personal consumer reports

Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Dear Experian, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Per 15 U.S. Code 1681c2 - Block of information resulting from identity theft, I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Experian Business Credit XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Experian Business Credit XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of. And being ignored of my disputes. 

The information was removed from 2 bureaus, due to inaccuracy, but still remains on one bureau Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report. It has been over 30 days. So they should be deleted promptly. I demand those account accounts be deleted immediately, or I will file for litigation, due to the stress this has caused me.

The credit bureaus have also violated 15 USC SECTION 1681 623 ( 9 ) ( B ) ( 2 ) The credit bureau are suppose to complete all investigations before the expiration of the period under section 611 ( a )
Product: Money transfer, virtual currency, or money service

Hi, I'm using paypal account for online freelancing since XX/XX/XXXX and it was permanent limited last XX/XX/XXXX and has a small funds stuck in it. My account : XXXX with balance of XXXX XXXX, I'm hoping that my account will restored as soon as possible. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed, and several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15, USC, 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit, but also causing me significant stress and anxiety. I have no connection to these accounts, and urgently request their immediate removal to prevent any further harm to my financial work. Well, being.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my previous complaint the credit bureau advised that the disputed item is updated. However, they did not delete the disputed item which is over 7 years old. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : XXXX XXXX XXXX XXXX XXXX