23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Medical Revenue Services is constantly calling me to say I owe a debt but will not provide me with any information regarding the debt. 

They claim to have sent me some information in the mail, but I never received said information. Every time I've asked for information since they've said they are not required to provide me with any additional information and refused to send another letter out. 

I have made repeated attempts to get any information. Any time I mention the FDCPA they immediately shut me down and will not provide me with any information claiming they will lose their job. 

I ask for the basic information. 

Their name Company name Address Call-back phone number Website URL State license number, if available as not all states license collectors I called the Toll Free Number back they called me on to get information. 

I spoke with XXXX different people, only XXXX of them would give me an address, XXXX gave me a first name only, and XXXX gave me a business name. No one would provide the information together. 

They want my information before MAYBE providing me with information. 

It is my understanding that I am protected by the FDCPA and this organization " Medical Revenue Services '' is acting in bad faith by being aggressive, harassing me with multiple calls a day, and refusing to give me any information. 

I made multiple calls today XX/XX/2022 at XXXX, XXXX, XXXX, XXXX, and XXXX. 

Let me state the first call I made at XXXX I said give me a moment to verify my rights via FDCPA they immediately hung up.
Product: Checking or savings account

On XX/XX/2019 I deposited a check into my Debit ( Checking ) account. I have proof of deposit. On XX/XX/2019 my bank took that same amount of money out of my Checking account ( On the statement it reads : Debit Adjustment Duplicate Item reversing deposit made on XX/XX/19 as duplicate it em. followed by a reference number and ISN number. ). It shows a minus sign ( signifying withdrawal ) followed by the amount listed. The issue is simply that the amount was not a duplicate deposit. It was deposited only once. I have proof in both documentation form ; via receipts, my bank statement and photographs of balance changes, as well as proof from witnesses at the bank branch itself who saw all of this information, found it confusing, contacted customer service over the phone and still werent able to get it solved. I also contacted, upon one of the employees recommendations, the customer service specialist number provided in my mobile banking app ( unfortunately, they also werent able to understand or solve this issue ). So, I have an already withdrawn amount to my bank for absolutely no verifiable reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX AND XXXX XXXX ILLEGALLY PULLED MY CREDIT.
Product: Mortgage

My mortgage was sold from movement mortgage to Mr. Cooper mortgage and I did not have any notice of this, therefore I was continuing to pay XXXX XXXX through my bill pay with my bank account. Now XXXX XXXX is not forwarding those payments to my new loan account through Mr. Cooper, and now it has been over 60 days. 
I have tried to contact movement mortgage on numerous occasions and once I tell them the issue the call gets disconnected. I know that it is against the law for them to withhold those payments that should have been forwarded to the new mortgage company. Please help as now Mr. Cooper mortgage is showing that I am past 60 days late. 
Also I asked my bank to send the proof of my payments to movement mortgage and mr. Cooper mortgage and they have. I have tried to follow up with movement mortgage and no response. 
Thanks XXXX XXXX XXXX
Product: Debt collection

IC System is reporting that I owe {$610.00} for XXXX XXXX from XX/XX/XXXX reported on XX/XX/XXXX. This is NOT my debt. I have never had service from XXXX, I have never signed any contract or agreement with XXXX, you should verify that fact. My previous spouse may have had service. I dont even have a tv. Please remove this inaccuracy immediately. I have disputed with XXXX as well.
Product: Credit reporting or other personal consumer reports

Creditor agreed to delete account does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or were opened without my permission. XXXX XXXX According to FCRA XXXX XXXX ( a ) the Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which outlines the permissible purposes for obtaining consumer reports. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, in addressing disputes regarding inaccurate information on my credit report. Experians negligence has directly impacted my financial well-being and access to essential opportunities, including credit, employment, and housing.

I have submitted a dispute to Experian regarding inaccurate or false information on my credit report. The disputed items include My address. I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dept. Of Education XXXX XXXX XXXX has a balance of {$610000.00}. However it was discharged on XX/XX/XXXX and currently has a {$0.00} Balance. Also, It has been there for 240 months /or XXXX yrs when XXXX yrs is the maximum amount of time it can remain on a credit report. 
XXXX XXXX XXXXXXXX has a past due reporting dates of XXXX, and XXXX days in XXXX. It was never late and the high balance of {$62.00} is incorrect Despite my efforts to provide detailed explanations and supporting documentation, Experian failed to fulfill its responsibilities under the FCRA, including : 1. Failure to Conduct a Reasonable Investigation : Under 15 U.S.C. 1681i ( a ) ( 1 ), Experian is required to investigate disputes within 30 days. However, Experian failed to conduct a proper investigation, which is a violation of this provision.

2. Failure to Notify Consumers of Investigation Results : According to 15 U.S.C. 1681i ( a ) ( 6 ), Experian must notify consumers of the results of their investigation within five business days of its completion. I did not receive adequate communication regarding the status or results of my dispute.

3. Failure to Correct or Delete Inaccurate Information : As mandated by 15 U.S.C. 1681i ( a ) ( 5 ), when information is found to be inaccurate, incomplete, or unverifiable, Experian must promptly delete or correct it. The disputed items remain on my report despite clear evidence demonstrating their inaccuracy. This has caused me denial of credit, higher interest rates, loss of job opportunities, and emotional distress. 

Enclosed : My proof of identity and address. 
ExperianXXXX XXXX XXXX XXXX XXXX XXXX Discharge of Loans and balance Experian/Extra Disputes
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXXXXXX 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 : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602 a states i have 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. Also reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting late payments. 
accordance to 15 USC 1618a ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I NEED TO SUBMIT A COMPLIANT REGARDING A LATE PAYMENT REPORTING ON MY CREDIT FILE. XXXXXXXX XXXX  SAID I WAS LATE FOR THE MONTH OF XXXX AND I HAVE PROOF SHOWING I MADE A DOUBLE PAYMENT. MY PREVIOUS COMPLIANT WAS CLOSED WITHOUT A VALID REASON SO I'M SENDING IT AGAIN. I ALSO LEARNED ABOUT THE HERO 'S ACT AND THERE ARE NOT SUPPOSE TO BE ANY LATE PAYMENTS REPORTED TO CONSUMERS REPORTS DURING THE PANDEMIC SO WHY IS THIS REPORTED?
Product: Debt collection

Pursuant to the Fair Debt Collection Practices Act ( 15 USC 1692g ), I am exercising my right to dispute the validity of the debt.

1. 12 CFR 1006.34 ( b ) ( 5 ) - This regulation requires debt collectors to provide consumers with accurate information regarding the debt, including the amount owed and the identity of the original creditor. I request that you provide clear and accurate information regarding the debt in question.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) - This regulation prohibits deceptive or misleading representations by debt collectors. I request that you refrain from any deceptive or misleading practices in your attempts to collect this debt.

3. 12 CFR 1006.34 ( d ) - This regulation mandates that debt collectors provide consumers with written notification of their rights under the Fair Debt Collection Practices Act. If you believe I received proper written notification of at least 5 days, then I am requesting that you please provide me with the certified receipt with my name and signature making me aware of this debt by written notification as required by law before it appears on my credit report.

4. 15 USC 1681-S 2 ( 7 ) ( A ) - This section of the Fair Credit Reporting Act requires that debt collectors provide accurate and complete information to credit reporting agencies. I request that you ensure any information you report to credit bureaus is accurate and complete.

I expect a response to this dispute within 30 days as required by law. During this time, I request that you cease and desist all collection activities until the validity of the debt has been verified and provided to me in writing. I am revoking all rights of communication via email, text, or call.
Product: Mortgage

Hello, we have big problem again, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. We have had many attempts to receive an affordable monthly payment but no resolution and no affordable monthly payment offer has been given. 
We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing an affordable loan mod. that we can afford which will help us keep the home and not throw us out on the streets. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed and faxed in a copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. 
If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and an affordable loan modification and the process has been approved and agreed upon not some {$4000.00} monthly payment that no one can afford but one that is reasonable and that if helping the borrower not a ridiculous sum that will force us to move out. 

Thank you.
Product: Student loan

Great Lakes student loan 's does n't provide info and I ca n't access their web site.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXXCREDFRSH, 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.

This is a fraudulent account ; I did not open account with this company.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 

Equifax : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX PREVIOUS ADDRESS : 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 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 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: Checking or savings account

There are charges on my checking account from XXXX XXXX XXXX and charges made by Chase bank. This has been occurring since I opened accounts with Chase and XXXX XXXX  XXXX.
Product: Credit card

On XX/XX/XXXX, I opened an Amazon-Synchrony  store card account. The card automatically got set as my default XXXX card, so while I inadvertently made purchases with the card, the balance on both the Synchrony account I created and on XXXX remained unchanged. Consequently, I missed the payment deadline, which I was unaware of and had no knowledge of the balance ( it was less than {$200.00} ). Without ever notifying me to attempt to resolve the issue, they proceeded to notify a credit bureau, which resulted in my primary XXXX credit card ( a XXXX XXXX XXXX card ) getting permanently suspended. 

Since then, I manually made a guest payment to cover the entire balance and requested that Synchrony close out the account, delete all my personal information, and correct their report to the credit bureau. During my last call with them, an agent mistakenly conflated my data deletion request with the credit bureau correction request, claiming that both were filed on the same day. When I clarified the distinction, the agent blatantly lied and refused to budge, despite the fact that I had made the requests on separate days. 

This entire ordeal has caused significant inconvenience and distress. Not only did Synchrony fail to address my concerns, but it also resulted in the suspension of another credit card and damage to my XXXX XXXX. I strongly advise other consumers to exercise caution when using Synchronys products and services. Furthermore, I urge a regulatory investigation into Synchronys practices due to the high likelihood that they recently introduced these products and the concerning number of incidents involving them. I sincerely hope that Synchrony faces appropriate consequences, including financial penalties, as a result of their actions.
Product: Credit reporting or other personal consumer reports

Dear EQUIFAX I submitted a complaint on XX/XX/year> with regards to the late payment I had reporting from my Closed XXXX XXXX XXXX XXXX account. XXXX XXXX XXXX XXXX failed to notify me of a balance or invoice via a billing statement before it was reported as a late payment ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ). XXXX XXXX XXXX XXXX has corrected this the billing error for the primary account holder, XXXX XXXX, on XXXX, EQUIFAX, and XXXX. XXXX XXXX XXXX XXXX has failed to correct the billing error for the Authorized Users on this same account ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). IMMEDIATELY remove the reporting late payment for the Authorized Users on this account. 

ORIGINAL XXXX REPORT NUMBER : XXXX Creditor : XXXX XXXX XXXX XXXX Account NUmber : XXXX Past Due Days : 30 Days Late Late Payment Amout {$11.00} Date : XX/XX/year> Primary Account Holder XXXX XXXX XXXX XXXX Effected NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX NAME : XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX
Product: Debt collection

I reached out to the company, XXXX XXXX XXXX XXXX  after their multiple attempts to call me and asked them can I pay the balance and then have it deleted from my credit reports. The representative told me they would indeed delete it, but changed the account to reflect that it was paid and didn't remove it from my report.
Product: Vehicle loan or lease

THIS ACCOUNT CANT BE VERIFED AND NEEDS TO REMOVED FROM MY REPORT XXXX XXXX XXXX XXXX XXXX {$18000.00}
Product: Credit reporting or other personal consumer reports

I have not given authorization for these inquiries and firmly suspect them to be fraudulent. I implore you to carry out a comprehensive investigation and swiftly remove them from my credit report. Supporting documents have been provided for your examination.