23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt collector violated the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692g 809 ( b ) by failing to notify me of my right to dispute the debt and by not properly validating the debt as required by law. ''
Product: Mortgage

Company keeps texting, calling, and emailing, even though I have requested them to stop.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I paid the amount of {$460.00} to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The payment was paid in full. The account was charged off due to late payment. After I seen the charge off reflected on my credit report I immediately paid what I owed back in full. I called and spoke with the creditor and I was told that I am in good standing with the account since it was paid and I have a receipt of the account being paid off in full. I have tried to dispute the account with Experian and they have not deleted/removed the account.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : 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

In XX/XX/XXXX collection company USCB slapped a collection account on my credit report after no attempts to collect from me for almost 3 years. The previous attempt at collection was last noted in XXXX of XXXX. These were originally reported delinquent in XXXX and XXXX, but I need proof of the original tdebt to understand what all these charges are for, exactly. 

I am working with a credit repair company, XXXX XXXX, that cant seem to locate the original debts. It is my understanding that the collection agency must show proof of the original debt in order for this to be legitimate. I am willing to try to settle this and make payments on the account, if legitimate, I want the XX/XX/XXXX reporting of collections to be removed though, since they havent attempted to collect a dime from me for almost 3 years. 

I have attached copies of these debts from my credit report obtained by XXXX XXXX.
Product: Student loan

FedLoan is my current loan servicer and after multiple emails, attempted phone calls ( some of which I was on hold for over an hour after THEY returned my call ), I have yet to be able to find up to date or accurate information/guidance on my TEPSLF progress. I would like more clear and accurate communication and less misrepresentation of actions they have performed on my account. Ive been sent letters that state an inaccurate about payments for TEPSLF that they say dont qualify when my records from studentaid.gov / XXXX show that the payments do qualify under the new guidelines.

I have several ineligible payments from my loans being automatically being put in in school forbearance during XXXX  school when I was working and able to pay but was advised not to because those payments would not count towards forgiveness.

FedLoan is misrepresenting their efforts and neglecting their responsibilities as a loan servicer as their accounts are clearly not accurate but FedLoan claims they are. Ive worked in XXXX for 13 years and have either made 120 qualifying payments towards forgiveness or had been mislead and instructed not to do so because that was what was best for the company, not for the costumer.
Product: Mortgage

We refinanced our home in XX/XX/XXXX. BSI Financial was assigned to service the loan. The first property tax they were responsible for paying was due XX/XX/XXXX, in the amount of. They failed to pay the tax and I had to call them twice. The bill was finally paid on XX/XX/XXXX. BSI did cover the delinquent penalty of {$56.00}. XXXX did pay the next quarterly installment of {$1400.00} due on XX/XX/XXXX, posted by the County on XX/XX/XXXX. The next quarterly installment, {$1300.00}, was due XX/XX/XXXX, and deducted from our escrow account on XX/XX/XXXX. The County never received the payment. I called BSI on XX/XX/XXXX, was told they mailed the check on XX/XX/XXXX and they would look into it. I checked the County website again on XX/XX/XXXX, the taxes had still not been received. I called BSI again after I checked the County website and spoke to XXXX, who put me on hold to go talk with someone in the Escrow Div. She told me they were aware the County did not receive the payment and that a check would be expedited. I kept checking the County website, no payment received. Waited two weeks, called BSI, XXXX on XX/XX/XXXX. She put me on hold and pretty much lied to me that they just became aware of the problem. Today XX/XX/XXXX, no payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off a dispute to Exerian over 30 days ago and have gotten no reply. Please help me.
Product: Checking or savings account

Schools first federal credit union is stating that I owe XXXX. I had a individual that was suppose to deposit money into my account. When I tried to transfer the funds it did not allow me. I was not able to withdraw that amount therefore I do not see how I owe the balsnce.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Experian for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing this formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payments : Experian : Late payment reported in XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/XXXX is inaccurate and has not been corrected despite multiple disputes. 
15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in this case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of the late payment suggests noncompliance with this requirement, violating consumer rights to timely and accurate disclosures. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The erroneous late payment on this account violates these protections. 
XXXX XXXX : XXXX removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation from Experian that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the XXXX XXXX XXXX ( A ) ( XXXX ) XXXX XXXX XXXX XXXX ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section XXXX ( A ) XXXX XXXX XXXX XXXX ( XXXX ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section XXXX XXXX XXXX XXXX ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Product: Credit card

The account is closed and says it has been charged off but it is still on my credit report and sending monthly updates.
Product: Mortgage

We bought our current house in XX/XX/XXXX, XX/XX/XXXX NewRez bought our previous lender, NewPenn, and took on our mortgage loan. As of XX/XX/XXXX of this year NewRez increased our mortgage payment 25 % ( {$560.00} ) and they can not explain why. Our taxes did not increase and our insurance did not increase. They are claiming that they need a {$5400.00} starting balance in the escrow account and a required cushion of {$1600.00} in the escrow account and with those two amounts pushed the escrow account negative and are saying we have an escrow shortage now. They increased our escrow payment from {$800.00} to {$1300.00} a month. According RESPA they are not allowed to charge us any more than 1/12 of our annual escrow charges and can not keep a balance in the escrow account of more than 1/6 of the annual escrow charges. They are doing all of the above. Our property taxes and insurance premiums come to $ XXXX, divide that by 12 months and our escrow payment should be {$860.00}, and they increased our escrow payment to {$1300.00}. I don't even know where they got that number from. We have called them twice since we became aware of this increase and they can not explain any of the increases, all they say is they advice us to look at the escrow analysis, which is what we told them we were looking at when we were talking to them. They said there was not a supervisor who could explain the details of the loan to us. I was on hold for 15 minutes waiting for someone to get a supervisor and she came back and said no one was available but she talked to a " Lead '' and they said they can legally do what they are doing. I told her that according to RESPA they can not require me to deposit in excess of 1/12 of the total amount of estimated charges for escrow and she said that they can collect two months worth of mortgage. I have never had a mortgage lender increase my mortgage because they state they require a {$5400.00} starting balance and an additional {$1600.00} required cushion in the escrow account. They have increased our monthly mortgage payment from {$2200.00} to {$2700.00} and can not explain any of it to us. Nothing has increased in taxes or insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Accounts and inquires are fraudulent and I have asked them to remove from my credit report numerous times. I have provided documentation and yet they still refuse to remove. Ssn XXXX
Product: Credit reporting or other personal consumer reports

Because of the lack of compliance with the law and regulations that govern the credit union. I am sending you this communication with the credit union to advise them that since they have not been complying with the federal law they have to be aware that their lack of compliance with the federal laws is causing me to sue them for the loss of money that I could not get due to the fact they have made a active choice to make their own law and violate my rights. I am a victim of fraud and even after notifying them of this they closed my credit card out of retaliation for being a victim.
Product: Debt collection

I have repeatedly told this company they are contacting the wrong person but they continue to call me. I am not associated with the person they are asking for other than we have the same last name. The calls have been coming from this company for years, I have notified them numerous times throughout the years they are calling the wrong number and the calls will stop for a few months and continue right up from numerous different numbers associated to the same company. I sent a cease and desist to the company in XXXX and the calls are back repeatedly calling me everyday day for the last couple of months. Again I am not associated with this company or the person they are attempting to reach. I can produce my phone records and proof of identity and who the phone is registered to if needed. 

The company calling repeatedly everyday is Midland Credit Some of the numbers they are calling from include : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX 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 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 or other personal consumer reports

My private information is being reported to and by the 'big 3 ' credit reporting agencies, Transunion XXXX XXXX XXXX and XXXX, without a permissible purpose, without my consent and it infringes on my right to privacy. The specific accounts in question at this moment are the following : ( XXXX XXXX XXXX XXXX / account # XXXX ) & ( XXXX XXXX XXXX XXXX XXXX / account # XXXX ) I was never provided a 'Reasonable Opt-Out ' pursuant to 16 CFR 313.7 ( a ) ( 2 ) ( ii ). As a consumer of a financial institution, I have a right to privacy, and a continuing right to Opt-Out of the sharing, reporting and disclosure of my personal, private information and creditworthiness. I've previously mailed and faxed my own 'Opt-Out ' Notice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also gave notice to XXXX XXXX XXXX XXXX XXXX as well via CFPB complaint numbers XXXX & XXXX, also reference 16 CFR 313.10. Take this complaint as my last exhaustive attempt to resolve this matter non-judicially. These accounts are being furnished and reported without my consent, infringing on my right to privacy, without a permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ), violative of the FCRA, the Privacy Act, my constitutional rights to privacy and it's a defamation of my character, reputation and creditworthiness, as well as inaccurate. YOUR COMPANY HAS BEEN FORMALLY NOTIFIED OF THE ABOVE AND REQUESTED TO REMOVE THE ABOVE DEFAMATORY ACCOUNTS.

Please take note of the following referenced laws your company is responsible for following : 15 USC 1681b 15 USC 6802 15 USC 6805 15 USC 6821 15 USC 6823 15 USC 6827 16 CFR 313.7 16 CFR 313.10
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays bank continues to send me correspondence that there is a balance owed and due when in fact we have settled the account and the account balance is XXXX. Barclays has not updated the credit reporting agencies and will not provide written confirmation that the account has been settled and is at a XXXX  balance and has not provided that information to the credit reporting agencies. XXXX XXXX at Barlcays will receive this complaint and that is the person who I have been trying to get this information from. XXXX is not going to provide an unbiased response on this report and so it should be transferred to another corporate representative to prepare the response.
Product: Vehicle loan or lease

In XX/XX/XXXX, me and my father co-leased a Maxima. After making on-time payments for 3 months, no payment history was showing up on my credit profile, while it was reported for my father. 

Ever since XX/XX/XXXX, I have been trying to get Nissan Motor Acceptance Corporation to report my payment information to the credit bureaus. After 12 calls to them nothing has changed. Each time they promised to send the information in, and that in 15 days it would be available for the bureaus, and they will update it within 90 days. Nothing has changed. 

Today, I called again. They told me they can not do anything, and that I have to call XXXX  and XXXX. I did. The XXXX representative said that NMAC can directly contact them, and have it fixed. NMAC is saying they can not do that.
Product: Debt collection

The company MEDICAL REVENUE SERVICE has contacted me stating that I owe them a debt which I do not owe. I do not know how the company was able to obtain my private personal information without prior consent directly from me. Therefore, it was obtained by means of identity theft. I am seeking redress for the company to do what ought to be done by ceasing all collection activity and credit reporting ; and to be exonerated from all alleged claims. I have already filed an identity theft report with the Federal Trade Commission and have attached it to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone other than myself has used my credit to open a line of credit with Citizens XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/2021. Spoke with the bank and they said it was opened to pay for a XXXX XXXX XXXX XXXX XXXX. This is not me. I have not applied for credit in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is now XXXX XXXX, I appreciate your help in getting this off my credit report. They have been late on their payments and it has dropped my credit score a lot. 
thank you for your help
Product: Debt collection

This has been ongoing since XX/XX/XXXX ( four years ) now. I had forgotten about some of the hassles and attempts, but a quick search on my computer refreshed my memory. I had an account with XXXX, someone fraudulently purchased items ( sent to Virginia - i live in Oregon ) XXXX called to see if i had moved to Virginia. I did not order these items. They corrected it ( see copy of statement from XX/XX/XXXX with the charges and reversal indicated as 'merchandise returned ' - -- - - however, XXXX kept harassing me saying i owed them for XXXX XXXX. I kept explaining - re-explaining i never ordered them. they'd say 'oh, yeah. i see that now, so sorry. '' then they would start harassing me again! I closed my account with them in XXXX XXXX. ( see letter indicating it was closed with XXXX  balance due ) about a year later i started getting calls from a collection agency about it. I provided copies of stuff and wrote them about it. they never contacted me again. NOW, a new collection agency " Resurgent '' is starting in about it. this was never my debt ... but it just won't go away! I never bought the silly XXXX XXXX XXXX  and never got received them, but XXXX just keeps harassing me it's been YEARS of periodic harassment. I want it to STOP for good.
Product: Debt collection

I continue to get phone calls and text messages from a local phone number posing as Portfolio Recovery Associates. On XX/XX/2024 I sent a letter requesting the following 1. Original account number 2. Original name of creditor 3. Date account was opened 4. Date of last payment 5. Amount of the original debt 6. Itemized statement showing full history of account 7. Proof of chain of title that you own the debt 8. Copy of contract with my signature. To date I have not received the requested information from collection agency and this account is still reporting on my credit. I recently reviewed my credit report and this is still there. This is concerning considering CFPB recently took action last year against them for reporting inaccuracies to consumers credit files. Unfortunately, I am also a victim and their behavior continues. This " alleged '' debt is well beyond the statue of limitations. I want this off my credit, it is outside of FCRA guidelines. Please have them stop harassing me.