23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was made aware of this collection through a credit monitoring service. When I checked my credit report it did not say who the original creditor was. I called the collection agency I.C System, Inc. and they notified me who the creditor was.. I asked the collection agency why the didn't make an attempt to notify me of the debt prior to reporting to the credit bureaus. The woman on the phone who was very rude said they received returned mail. They were sending the statements to the wrong address. However, they did have my correct email and phone number but made to attempt to make contact me that way. I had no knowledge of an outstanding bill with this creditor which was with a medical office as my insurance covered the treatment. I told the women I would contact them first. She again was very rude, was yelling asking me if I was going to pay the bill and I said, " No. '' I phoned the creditor and they notified me that I had a co-pay due from my treatments. They too had sent the bill to the wrong address but never called or emailed me to ask me for my correct address. The office manager realized that it was a mistake to send the account to collections and we made an agreement for me to pay the outstanding balance directly to them and they would call the collection agency to have the account removed from my credit report. I made the payment over the phone immediately. The collection agency reported the next day to XXXX XXXX and XXXX  that the account was paid less then the amount owed which was incorrect. Then I received a receipt stating that I paid the debt directly to them which is incorrect. Then they reported to the Bureaus that the account is paid in full but they refuse to remove the account from at the request of the original creditor has made this request more then 6 times. They have said they can't according to the law. They have said they can't provide a letter stating the account will be removed according to the law. They have said if I dispute the account they will fight it. I have manage to get it removed from my XXXX  credit report but I can't not get it removed from XXXX XXXX. They have been rude, given false information to me and the creditor numerous times, to the point I've hired a lawyer.
Product: Debt collection

This debt is originally for a XXXX bill. It appears that in 2014 the was a lawsuit filed against XXXX for " cramming '' charges. This is where customers were charged for premium services without their knowledge. I was also a victim of this and this has also been validated ( see attached documents ). I have also requested my refund for this services as I did not authorize them. 

The amount of debt that I reportedly owe to Midland/XXXX has been rendered invalid due to this FTC lawsuit against XXXX and the fact that I was a victim of these extra charges.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did
not comply with the law!

15 USC 1666b ( 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

I contacted Phoenix Financial Services LLC, XX/XX/2019. after noticing a collection added to my credit report {$830.00}. I then spoke with a female representative, who was informed that no notice was given inregards to this debt collection and I was not aware of the debt. I was then informed of the Debts originations and informed the representative that my this bill was not correctly billed to my medical insurance and my responsibilities was 20 %. I can pay the 20 % now. I was told that that not my problem. The account was not in our procession at that time so I dont care what happen then, will you be make the full payment or you wasting my time. I told the representative I will pay the 20 % the insurance did not cover, it was at that point the representative disconnected the call. I immediately called back and got a male representative and began to explain that I was not aware of this bill and that my insurance cover 80 %, I was told that they had no insurance information and it wouldn't matter anyway. I then asked if he can send me a letter of verification. and proof of debt and I was told, " I see why the other representative disconnected the call ''. He refused to listen, even started to use abusive language what type of person dont pay there bill. I then informed him I can send the information about the insurance and I was told " you can send what you want it won't matter '' he also disconnected the call after. I believe that Phoenix Financial Services LLC has violated my consumer rights under the fair debt collection practice act.
Product: Money transfer, virtual currency, or money service

This is the second time I've done this and obviously nothing was done the first time be side they still do it. PayPal sends customers emails claiming that holds on the payments a seller received are from outside sources. But in fact the payments are being held by PayPal for their own intrest bearing accounts to make profits. These statements are being made about financial transactions and they are being sent over electronic communications which as I understand is wire fraud. It is happening to hundreds if not thousands of sellers.
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against cashapp ( Block inc. ) due to inadequate customer service and unfair practices. Which violate the consumer protection financial act. Cash app failed to take timely and effective measures to prevent fraud on their app just left my account vulnerable to attack Furthermore, when I talk to him about this, their dispute process was unfair and deceptive. They took my information and did nothing with it except sell it on the black market. This is caused me severe financial loss.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

I am writing to express my extreme frustration and ANGER about the accounts on my credit report that I believe are due to identity theft. I demand that these accounts be removed immediately. I am a victim of identity theft and I have been working diligently to resolve the issues that have arisen as a result. I am very disappointed that your bureau has not taken the necessary steps to assist me in this matter. I have already contacted the other credit bureaus and they have removed the accounts that were fraudulently opened in my name. I can not understand why your bureau is not complying with the law and removing these accounts as well. The questionable accounts are : BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, ALLY FINANCIAL XXXX, XXXX XXXX XXXX CO XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. Your fast attention to this matter is not only crucial, but it is also your legal obligation. I am extremely ANNOYED that I have to go through this experience and I demand that it be resolved immediately. I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : 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.
Product: Mortgage

I am writing to formally address the ongoing and egregious violations of the Home Equity Line of Credit ( HELOC ) Agreement, as well as the Real Estate Settlement Procedures Act ( RESPA ) and pertinent consumer protection statutes by Specialized Loan Servicing LLC ( hereinafter referred to as " SLS '' ). This correspondence serves as an official notification of the breaches of contract that SLS has committed and continues to perpetuate. 

SLS is in clear violation of the terms stipulated within my HELOC Agreement, specifically concerning the obligation to provide monthly statements delineating the status of my account. Despite the explicit terms mandating the provision of these statements ( section 4b. ), SLS failed egregiously to fulfill this fundamental obligation, constituting a direct breach of our contractual agreement. 

Furthermore, in accordance with RESPA and other consumer protection laws, SLS is legally bound to comply with the requirement of furnishing monthly statements to borrowers. The consistent failure to provide such crucial documentation not only violates our contractual arrangement, but also constitutes a violation of the aforementioned federal statutes designed to safeguard consumers. 

Repeated attempts on my part to rectify this matter through communication and also filing complaints with SLS, have been met with disregard and an absence of appropriate action.

SLS has regrettably neglected to acknowledge its breach of contract and the concurrent violations of RESPA. Such behavior is unacceptable and undermines the trust and obligations inherent in our contractual relationship. 

It is pertinent to note that this is not an isolated incident, as evidenced by the Consumer Financial Protection Bureau 's Consent Order against SLS, highlighting prior transgressions concerning RESPA. This recurring pattern of non-compliance with federal laws demonstrates a systemic issue that requires immediate rectification on the part of SLS. In light of the aforementioned breaches and consistent disregard for contractual and statutory obligations, I demand prompt remedial action. Specifically, I insist on immediate rectification of the failure to provide monthly statements and a comprehensive plan to ensure future compliance with the terms of the HELOC Agreement and relevant federal laws. Please consider this correspondence as an earnest attempt to amicably resolve these concerns. Your prompt attention to this matter is anticipated and appreciated.
Product: Debt collection

Sent previous dispute to collection agency along with previous correspondence informing the debt is not validated and that I do not have any delinquent accounts with creditor. Also reached out to creditor XX/XX/18 to confirm that there aren't any past due or charged off accounts. Any account I previously held with creditor has been paid in full and is reflected as such on my credit report and my current account with the creditor is in good standing.
Product: Debt collection

I have sent Credit Acceptance a Cease and Desist letter and they continue to call me after they received it. I also sent them an online cease and desist through my online account twice. I have told them several times not to call when my account falls behind. I have never been more than two weeks behind, I have always caught it up and paid the late fees. They call on day one if it is late, many times when they payment has been paid through their website on the due date.
Product: Payday loan, title loan, or personal loan

I have made sure to make my payments on time on the following items listed below. This items should not have a late payment status in my record. Make sure to provide me any documentation about the late payments being done on the months indicated in the report. 
TOYOTA MTR XXXX Balance : {$0.00} TOYOTA MTR XXXX Balance : {$0.00} TOYOTA MTR XXXX Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX  XXXX XXXX BALANCED {$2900.00} XXXX XXXXXXXX BALANCED {$640.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records, I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, These Accounts have 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

I keep getting multiple emails that purport to be from PayPal but are clearly from a scammer by looking at the email address from which the emails are sent. Here is what they say :,... 

,. 



The " Log in to PayPal '' clearly is a link, which I have not clicked on. The problem is that the email includes the PayPal logo and is in the PayPal official colors, etc. Therefore, if someone were only looking at the body of the email, it would be very easy for him or her to get victimized by this scam because it looks official. For what it's worth, here is the information in the " from '' line of the email : XXXX XXXX
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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

My account was purchased from XXXX XXXX by Citibank. I make autopayments and have the account set up with alerts and did not know this happened. I was called when the payment was late and that is how I found out. I was told that I owed around {$160.00} when I only had one payment due of around {$56.00}. I was told there was a late fee and that would be removed due to bank error but would be credited. I was also told that the " XXXX '' cycle had started and I had to pay that too. I have a perfect payment record with XXXX. I did not want to be reported as late so I signed on the website to set up the new account. There was nothing anywhere telling me how much interest they were charging on what balance, nor anything showing what was included in the amount due, {$160.00}, no itemization for late fees, nothing, no disclosure, just the requirement that I pay the full amount due. I did call before this and was told that the late fee was removed and I could just pay the amount due. They kept explaining to me that they had just bought the accounts last week and were not able to transfer the auto payment information. I do not understand why they would not have to show the interest rates and balances to which they are applied. The old account is closed, I do not have online access anymore.
Product: Checking or savings account

XX/XX/XXXX - I submitted a dispute of {$2300.00} to Bank of America about unauthorized charges by a company named XXXX XX/XX/XXXX and XX/XX/XXXX - Account credited while claim was being researched XX/XX/XXXX - Credit was reversed, Bank of America believes the fraudulent activity was done by me, as provided by a third party from XXXX named XXXX  Their " evidence '' has my home IP address, name, home address, and other information. Some information is false, such as my legal name and my IP address. I submitted a police report with the XXXX XXXX Police Department and faxed all relevant documents to support my case to BOA. 

XX/XX/XXXX - Bank of America is still unable to give me the credit back, insisting from the evidence provided by XXXX and XXXX that the '' charge was authorized by you or made by someone who has permission to use the card or account ''. I faxed another police report and documents to BOA to reopen the claim. 

XX/XX/XXXX - Bank of America still has not given me my credit back for the third time and thinks that " the charge was authorized by you or made by someone who has permission to use the card or account ''. I reopened the claim again. 

In summary, over {$2300.00} has been taken from me and Bank of America thinks that the charges were made by me because the merchant provided third-party " evidence '' that is inaccurate to my IP address and legal name. This is the third time I have had to reopen the claim and while I've resolved other fraud claims with Bank of America, this one seems to be the most stubborn.
Product: Credit reporting or other personal consumer reports

Affirm reported that I owe a loan balance of {$4600.00} of original. I made payments although I disputed that I this is a rip off and the amount is wrong. I keep making multiple payments and Affirm is not reducing the balance owed. They keep taking my payment and not updating XXXX with the correct amount. The amount paid already should be paid full. I provided XXXX with the data that this account was already paid and they continue to allow Affirm to report inaccurate data.
Product: Mortgage

Company : XXXX XXXX XXXX XXXX XXXX on behalf of Lakeview Loan Servicing Lakeview has promised my parents that due to the change in interest rates, they can provide them a lower mortgage interest rate at 3.930 % with no out of pocket costs and/or closing costs. The problem is, we just moved into this home XX/XX/XXXX and I am part owner of this house. They have not received my consent to do so. When finding out what was going on, my dad provided me a draft of their documents. They are instructing my parents to provide them a deed that I'm not listed on ( previous deed ) in order to close on the loan without my consent.. We had a lawyer draft a document that he then filed with our local Appraisal and/or County Clerks office. I have tried to contact them only to find out multiple people have handled our loan no longer work with this company and I continue to receive voicemail. Today XX/XX/XXXX, I sent them email to discontinue, terminate, and cease practices or servicing of the attempted loan refinance with my parents. Please help us. This company is supposedly associated to the company we currently pay our mortgage to. We are afraid of retaliation due to the current servicing of our loan. Thank you for any help you can give so other people that may be in our shoes get the same help.
Product: Student loan

US department of education claims I owe them {$3400.00} in student loan funding. I never received any money from the loan services or current loan servicer called NelNet. This is not a debt because I never received any money for school from US dept of education and they have no proof that I received student loan funds. Everytime I ask the student loan servicer for proof they can not give it to me. This is a clear SCAM and I want it removed from my XXXX, XXXX, and XXXX. IMMEDIATELY! I can not take out loans or pay other IMPORTANT expenses because of this. If this is not removed I will have to take proper legal action.
Product: Credit reporting or other personal consumer reports

I have been requesting that the erroneous accounts be removed from my account since XX/XX/2021 and to no avail they have failed to remove these accounts. They haven't provided any solid evidence and validation to these accounts. I have sent them copies of the police report, utility bill, Identity theft report along with copies of my id and SSC. 
They have failed to reply promptly or not at all. 

I will attach the last letter I sent to this company along with proof of receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion the whole month of XX/XX/2021 I asked if I could speak with the fraud department I even spoke with Supervisors and managers and no would helped me with the unknown inquiries I was told by different Representatives at transunion the unknown inquiries would be removed I had to call back Multiple times for weeks for getting false information about my credit report.