23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently, I became aware of some unresolved medical bills on my credit report from XXXX XXXX, regarding some unresolved medical bills on my credit report. I have been discussion with Bull City Financial about how to resolve the 8 accounts that they are reporting. Altogether, the 8 accounts that they are reporting total over {$2000.00}. I recently pooled together about {$750.00} to resolve three of the eight collection accounts that they are reporting. But when I called Bull City to pay the three accounts, they told me that they would not delete any of the collection accounts I paid, unless I paid all eight of them. Since each of these debts are a separate listing on my credit report, this made no sense whatsoever to me. What good does it do me to pay any of the collections if they are not going to delete them, after I pay them? Quite frankly, this is extortion. And I told the representative just that. If they are reporting eight accounts separately, I should be able to address them separately.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : # XXXX Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Name : XXXX XXXX Account Number : # XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX # XXXX ======================================= UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ). 

XXXX is a creditor as defined by 15 USC 1692a ( 4 ). 

XXXX alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

XXXX is a corporation whose residence is in the state of PENNSYLVANIA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to correct the incorrect " LATE PAYMENT '' marks on my account since XX/XX/XXXX and XX/XX/XXXX 

XXXX has failed to supply any record of payment under the original creditor XXXX XXXX as requested and has not verified the claims of the late payments. 


ALLEGATIONS/COMPLAINT : -XXXX in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers without verifying its validity after I the consumer notified them in writing that this alleged late was payments were incorrect and I was taking steps to investigate it personally. 

-XXXX in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- XXXX has caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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.
Product: Mortgage

I sent in a request to close the escrow account for taxes and insurance a year after the loan closed. The servicer Home Point Financial denied the request on XX/XX/19 stating there was a 2 year waiting period. I escalated via their call center and on XX/XX/19 spoke to a supervisor who claimed that I had agreed to maintain escrow for 2 years in the closing documents. I disagreed and challenged him to provide evidence that I had agreed to 2 years. They came back with a clause from the promissory note saying I agreed to be bound by the lender 's policies and procedures, which were not defined or disclosed anywhere in the documents. He claims this constitutes my agreement to be bound by the 2 year policy or any other policy they could define at any time. 

The broker whose advice I relied upon as the lender 's agent told me I could remove the escrow account at any time after 6 months. 

I do not believe this loan servicer should be legally allowed to make up whatever terms they want and treat me as being contractually bound by that when I did not agree to those terms. I would never have knowingly agreed to take on a mortgage with no rights to cancel the escrow account. 

Furthermore, Home Point stated that they would not accept a payment of principal and interest and apply the payment per my instructions, but would simply not apply the payment and treat it as if it had not been received, even if I pay the property taxes and insurance premiums myself outside of escrow. In other words, they are making it impossible to pay my principal and interest unless I also deposit to escrow against my will. 

This is abusive behavior and that is why I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I spoke to the manager of XXXX XXXX XXXX XXXX, XXXX XXXX, direct dial phone number, XXXX about a dispute involving Equifaxs reporting of the HELOC in the amount of {$25000.00}. XXXX stated that they never received any inquiries from Equifax and if they had they wouldnt have responded to a dispute because they dont report to Equifax XXXX and if there is no response within a specific amount of time the item would be automatically removed. He stated the information would have been removed because they would not have responded. He also stated verification of a debt on a weekend would have been impossible because they are not opened. 

Equifax has not notified the debtor to get this matter resolved. In addition XXXX and XXXX have both deleted the account from my report after there investigations were completed.
Product: Debt collection

XXXX XXXX and shows a balance of XXXX which is an incorrect balance and the account is actually payed off. It is also listed as collections but is still an open account. This appears on all three credit reports. The last company is listed as Fair Collections and Out ( FCO ), showing a balance of XXXX which is an incorrect balance. It is listed as collections but is still an open account. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. There are also several inquiries on my credit report that should be removed as well. I am requesting that they provide proof that I actually applied for these companies with my legal name listed as, XXXX XXXX XXXX and if they can not provide that proof then all of those should be removed.
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Product: Credit reporting or other personal consumer reports

This serves as a formal demand for the immediate removal of the fraudulent account listed under XXXX XXXX from my credit report. This account was fraudulently opened and is not authorized by me. Under federal law, you are required to remove any inaccurate or unverifiable information from my credit report.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am exercising my rights as a consumer to demand the deletion of this fraudulent account. Under 15 U.S.C. 1681s-2, data furnishers are prohibited from reporting inaccurate information, and credit bureaus are obligated to correct or remove false data. Failure to comply with these legal obligations is a direct violation of federal law and may result in legal action against all responsible parties.

Additionally, under 15 U.S.C. 1681n and 1681o, I reserve my right to pursue legal remedies, including statutory damages, punitive damages, and attorney fees, should you fail to comply with this demand. I expect written confirmation of the removal of this account from my credit report within the legally required timeframe.

I have enclosed a copy of my identification, social security card and a copy of my credit report highlighting the fraudulent account for reference.

I expect written confirmation of this deletion. Failure to act will result in further legal consequences.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX  : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 

XXXX XXXX Account : XXXX Amount : XXXX
Product: Checking or savings account

On Friday, XX/XX/2019, my primary checking account reflected a balance of {$1100.00}. Over the weekend I spent money. Some transactions, were items I did not even authorize. XXXX XXXX XXXX XXXX XXXX already made the credit for 4 items today. On Monday, at XXXX my balance was {$690.00} and XXXX XXXX took out XXXX for an order. They were suppose to wait until Tuesday at XXXX. Ive explained to Suntrust, that there was 9 transitions and 9 fees. I begged the branch manager, corporate office and local business banker to assist me. I bring in XXXX a month to this bank and no one would help me. The money that came in, was to order carpet for a Friday installation. I want to continue business with Suntrust but not with a bank that doesnt want to work with me. I would never use my card purposely without funds on it. Now, I could face a backcharge from the customer.
Product: Debt collection

This is the XXXX company that has done this. Both were collecting for XXXX. 
I answered the phone, said that I was myself and the caller asked me for my date of birth. She called me. Her caller ID did n't say Med-1, even if it did that 's no guarantee. I have no idea if Med-1 is legitimate, only that I get statements from them purporting to be collecting for XXXX. I get many collection contacts for XXXX, I have no way of knowing if any are legitimate. 
It is completely inappropriate for a debt collector to request my personal information and opens the door for multitudes of phishing scams if it is legal. I suspect this is not allowed but I am not sure. It should be illegal for a bona fide debt collector to request any of my personal information. 

The caller called at approximately XXXX Central time to my Louisiana number. Date XX/XX/2016. She called from XXXX saying they were from MED-1 Solutions. 
Thank you. 
XXXX
Product: Checking or savings account

Well XXXX are planning on taken XXXX out my account for some pills that was order off the internet that I didn't order I sent the pills back and told them I didn't order this .They said they told Wells Fargo this and I didn't order them I think are abusing my intelligent because of my age because Im a senior citizen and I dont need to order those pills off the Internet I get my pills from the doctor. I don't have money to give away for something I didn't order.
Product: Credit card

I am writing to formally complain about Discover Financial Services for their repeated and unsolicited advertisements sent to me. Despite my lack of interest in their products or services, I have continuously received promotional mail from them, which constitutes an invasion of my privacy and unwanted solicitation. 

Specifically, I have received multiple mailings, including the latest one ( attached here as evidence ), offering a 0 % introductory APR and other promotions. I have never consented to or expressed interest in receiving such communications. 

These unwanted solicitations have caused me inconvenience, annoyance, and distress. I demand that Discover Financial Services immediately cease all forms of communication and advertisements directed at me. Additionally, I request appropriate compensation for the inconvenience caused by their repeated disregard for my privacy. 

Please ensure that my personal information is removed from their marketing and solicitation lists. 

I trust the XXXX  and CFPB will assist in resolving this matter promptly.
Product: Mortgage

im make this complaint becomes again this company keep lying about my payments extra charges made up and no explanation of where is the money they claimed I owed them on XX/XX/XXXX I got a loan modification and XXXX XXXX XXXX put more than $100,000 into my loan a house was worth $XXXX So my new balance was $XXXX  the second loan they put on I was no to pay any late fee or any extra charge but right after XXXX XXXX XXXX did try but they could do it so they got this company shellpoint Mortgage servicing to do it same tactics lying and sending same paper to say the are helping me or they tried to answer my complaint before I got this loan modification my wife did bankruptcy even that I proven that my wife was not in the loan they keep bringing the same argument I m supposed to be in my loan modification but they try to say im not so they charge again or change me again higher my principal balance again they sent me statements from before XX/XX/XXXX when everything was supposed to started again why they do not answer me with what is the mount I owed them after XX/XX/XXXX I send them the prove rhat my wife was not in the loan but they keep bringing a paper a fraudulent paper whiten with a pensil some one added with his wife why all the paper from XX/XX/XXXX when I got my loan doesn't mention my wife at all I sent you that prove too because she was never in the loan you are making this lie to break my all loan modification I did ask for a new modification why you want to put me into another one
Product: Debt collection

I order a XXXX XXXX on XXXX from HSN.com ( credit card from Synchrony Bank ). 
In XXXX Synchrony close the account, HSN send me an e-mail to put a credit card to make payments. The XXXX XXXX  was for {$190.00}, first payment of {$49.00} was paid on XXXX and the rest was paid XXXX each month until XXXX of XXXX. I don't have all the dates I call HSN and Synchrony Bank but each time I call hey said it was been recorded. Each time I call either one they transfer me back and forward. I told Synchrony Bank they need to get their money from HSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors are in direct violation of 15 U.S. Code 1666b & section 1637 ( b ) because they I was never mailed or delivered 21 days before any due date the information regarding the due date of my payments before they added late payments to my credit report. They need to remove these late payments or I will pursue arbitration for violating federal consumer laws. Law states no creditor may treat a payment late unless they send a mailed or deliver information required by section 1637 ( b ) 12 ) Requirements relating to late payment deadlines and penalties. 
( A ) Late payment deadline required to be disclosed. 
In the case of a credit card account under an open end consumer credit plan under which a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment, the periodic statement required under subsection ( b ) with respect to the account shall include, in a conspicuous location on the billing statement, the date on which the payment is due or, if different, the date on which a late payment fee will be charged, together with the amount of the fee or charge to be imposed if payment is made after that date. 

15 U.S. Code 1666b - Timing of payments ( 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 ALL LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 been a member with XXXX  since XX/XX/XXXX they recently switched to XXXX during the summer of XXXX. I was giving a notification of XXXX hours to deploy in XXXX in support of XXXX and XXXX conflict. When I reach my destination, I had no internet or phone access. I was not able to make payments and I didn't have access to the XXXX credit card at all. In XXXX if XXXX when I did get limited internet access, I checked my credit score to find out that XXXX reported 2 late payments. I paid the credit card off immediately. This situation was not on my control and is affecting my credit score and my ability to purchase a home. Service members should be protected while XXXX and serving their country. I sent XXXX a good will letter in XXXX when I returned from my XXXX along with a copy of my orders to try and resolve this issue.
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  has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). I request that they be immediately removed from my credit report as required by the Fair Credit Reporting Act.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I request that they be immediately removed from my credit report as required by the Fair Credit Reporting Act.