23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX AARGON COLLECTION AGEN XXXX AARGON COLLECTION AGEN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON COLLECTION AGEN XXXX AARGON COLLECTION AGEN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX
Product: Debt collection

XXXX is the company that sent me to debt collection. 

I moved my account to XXXX in XXXX  from XXXX. They immediately cut access to online management once I ported numbers to XXXX. 3 months later they finally sent me a statement saying I owed them over {$800.00} with zero justification on the charges. The balances do not make sense, trying to charge me for charge backs when the account was never charged. Balance has since multiplied to {$1500.00}. XXXX  rep would not listen to me explanation and sent be to two different collection agencies and now I have legal representation. Again, not able to view any statements or charges, XXXX sent generic account information that is inflated.
Product: Debt collection

I am filing a formal complaint against XXXX XXXX and XXXX XXXX for improper handling of a disputed debt and unfair credit reporting practices. 

On XX/XX/XXXX, I disputed a {$2900.00} charge for XXXX rent at a property managed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA ). I vacated the unit in XX/XX/XXXX and did not reside there in XXXX. Despite my formal dispute, XXXX sent the account to collections with XXXX XXXX. 

XXXX XXXX first contacted me in XX/XX/XXXX. I disputed the debt again directly with XXXX XXXX. I provided proof that I was not living in the unit in XXXX, including my new lease and documentation of my move. Despite this, XXXX XXXX repeatedly failed to respond to my dispute emails. Instead, they demanded phone contact and ultimately hung up on me during a call on XX/XX/XXXX. They provided no advance notice before reporting this debt to the credit bureaus, and I was alerted to a major derogatory mark by my bank on XX/XX/XXXX. They offered me a 25 % settlement offer during a call with XXXX XXXX. 

I requested written confirmation of a " pay-for-delete '' arrangement, along with a 25 % settlement offer discussed during a call with XXXX XXXX. To date, I have not received this agreement for the 25 % off and the pay-for-delete in writing, which prevents me from formalizing any payment. Without clear terms documented, this violates standard consumer protections and leaves me unable to resolve the issue. 

Additionally, under California Civil Code 1951.2, XXXX XXXX had a legal obligation to mitigate damages by making reasonable efforts to re-rent the unit after I vacated. Neither XXXX nor XXXX XXXX has provided any evidence of such efforts, yet they are holding me responsible for XXXX rent. 

Finally, under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to mark debts as " disputed '' once a formal dispute is filed. It remains unclear whether XXXX XXXX properly updated my account status with the credit bureaus to reflect this dispute.
Product: Mortgage

I am the executor of an estate that is in a foreclosure status with a sale date of XXXX XXXX. We received documentation back in XXXX 2013 that the property had been paid in full prior to Bayview Loan Servicing , LLC acquired it from a portfolio I was told they bought. One asset manager tells me Bayview is the owner of the property and the servicer while another tells me that they are subservicing it for XXXX XXXX XXXX, which XXXX denies. The foreclosure notification and any paperwork that Bayview or their attorney sends to me states that XXXX holds the note, which I know is not correct. They were the trustee for a trust that the mortgage was in at one time. It has since been dissolved. I need assistance with having this alleged lien cancelled/satisfied.
Product: Debt collection

The collection agency JNR Adjustment located at XXXX XXXX XXXX XXXX XXXX in XXXX Florida has this debt under someone else name and they refuse to give me a statement stating that I am released from the financial responsibilities of this debt. They said unless the person that is responsible pays in full, they can not provide me with this letter. Meanwhile my driver 's license has been XXXX and I can not get it reinstated unless they provide me with this letter.
Product: Credit card or prepaid card

Card was never activated and called to cancel and provided payment method for annual fee and was told that it was closed. 

Checking later on my credit report and it shows as a delinquent account with late payment which caused an impact to my credit score.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX the consumer,, have new and updated information in regards of a previous complaint. Pursuant to 15 USC 1681, I have 30 days to a completion of a reinvestigation. XXXX, Transunion, XXXX have violated my rights by not responding within the 30 days nor have I received information of the procedure used to determine the accuracy of the reported information on my consumer report. I am submitting this complaint to ensure I have my rights protected to a proper investigation under 15 USC 1681i.
Product: Debt collection

I received a text message from a company threatening legal action. i called the number and they told me it was for an old HSBC account from XXXX  that i have zero recollection of. They said they were XXXX XXXX XXXX. They told me i would be sued in 4 days if i didn't pay in full or set up a payment plan, giving them my credit card info. I asked but they could not verify the debt or send me any records of it. They sent me a docusign email to fill out, that's when i searched online and found they've scammed many people this way.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have had an FHA loan with pennymac for 6 years. All payments have been made on time and every single payment has been accompanied by an EXTRA sum to go to principle. I pay over XXXX dollars a month pmi. They will NOT give me a refill. They say my credit score is XXXX. It is not. It is XXXX. They say I have debt. I do not!!!! 
They have lied to me and discriminated against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Charge account with account XXXX XXXX opened on XX/XX/2017 and a balance of {$0.00}. 
I previously disputed this account, stating : ''I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I'm afraid I have to disagree with the results of your investigation. 
Please mail me proof of your investigation and the negative payment status for this account, or delete the negative information in this account. Your company is in clear violation of the law. 
Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term ''consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) the report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUDED in my Consumer report! 
Late payment is a transactional history. My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report not included in the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have ten calendar days to update my Payment history and delete all late payments. Failure to respond satisfactorily with the deletion of the above Late Payments will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Noncompliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n
Product: Checking or savings account

Throughout the year of 2021, approximately {$44.00} have been withdrawn from my personal bank account and deposited into an HSA account via XXXX XXXX- a division of Webster Bank on a biweekly basis for the purposes of covering my medical expenses. Since the beginning of the year - almost monthly or every other month, I've attempted to use the debit card supposedly holding the funds to pay for what is CLEARLY APPROVED MEDICAL EXPENSES and the card has been denied each time. I currently have a medical bill for over XXXX XXXX dollars on its way to the credit bureau if it has'nt arrived there already. I've spent several hundred dollars of funds that I have set aside for personal expenses to cover medical costs such as prescriptions, feminine hygiene products, and even urgent care facility visits. Meanwhile, my so-called HSA account has over {$1600.00} of money that I earned that I can not access or use. 

I'm extremely excited about the cryptocurrency era rapidly approaching and hopefully taking over. I'm even more excited that companies with an emphasis on actual customer service and customer satisfaction like XXXX are considering providing health insurance. 

This is just unfair and unreal.
Product: Credit card or prepaid card

We noticed an extensive amount (a total of $XXXX spread out over 48 charges payable to XXXX) of fraudulent online charges, that were not ours, on our (my husband and my joint account) BOA bank statement. The charges were made consistently over a period of time (starting on XX/XX/XXXX and continuing until XX/XX/XXXX) and we were NEVER notified of the obvious suspicious activity/fraud alert, via text, phone or email, from Bank of America. The sum of the charges is a total of $XXXX that was stolen from our account. We immediately contacted Bank of America Fraud Customer Support to report and open a claim on these fraudulent charges on XX/XX/XXXX The support agent assured us that we would receive our funds back into our account within 10 business days. With our debit card in hand, we then canceled it and were issued a new one via mail. Instead, on XX/XX/XXXX we got notice that our case was closed and received a BOA message saying Current status resolved / Claim not paid. Unfortunately, We are unable to approve your recent claim. We have since filed more claims and each time BOA replies saying that the claim is closed because it is a "Duplicate Claim". We have spent hours over the phone resubmitting our claim to BOA...to no avail. We have spent hours on the phone with XXXX who says that this is a matter for our bank where our debit card was issued, not their problem to deal with. We are determined to recoup funds back from BOA, considering these were NOT our charges, we never authorized these charge in any sort of way, and we were NEVER notified of this ongoing suspicious activity. Someone stole our debit card number and persistently made these online charges. We have been Bank of America customers for over 30 years and have dealt with much smaller fraud claims than the current one. These are obviously not our charges. We have never ordered anything in our entire lives from XXXX. This is absolutely unacceptable. Please help us with this matter, we do not know how else to move forward. 
___

- XX/XX/XXXX Noticed BOA of fraudulent charges (dating back to XX/XX/XXXX), Initiated First Claim (#XXXXXXXXX, amount $XXXX)

- XX/XX/XXXX Contacted XXXX and filed a Claim with them (#XXXXXXXXX)

- XX/XX/XXXX Closed BOA Debit Card, was issued new card by mail

- XX/XX/XXXX BOA Message: Current Status Resolved / Claim Not Paid

- XX/XX/XXXX Faxed Dispute Letter to Bank of America with attached list of 48 fraudulent transactions (Faxed to Number XXXX)no replyfaxed it againno reply

- XX/XX/XXXX Initiated Second Claim (#XXXXXXXXX, amount $XXXX)

- XX/XX/XXXX Contacted XXXXthey assured that BOA was to handle this type of matter, not them

- XX/XX/XXXX BOA Closed Claim as "Duplicate Claim"

- XX/XX/XXXX Contacted BOA and Initiated Third Claimno email of claim reported

- XX/XX/XXXX Emailed BOA Customer Care Contacts with a copy of Letter of Dispute and details of the 48 fraudulent charges (XXXX XXXX XXXX XXXX)

- XX/XX/XXXX Filed online complaint CFPB (complaint.consumerfinance.gov)
 
__
Product: Mortgage

My mortgage loan was transferred from XXXX XXXX to Specialized Loan Servicing. On XX/XX/2017 I made my first payment to SLS. Since then, they have not reported to the credit bureaus that I am a customer of theirs. I called them on several different occasions. They gave me a diffrerent answer to this problem each time. Ultimately, they said that they do not report until after the initial 60 days following servicing transfer of the account. Well, the first time I called it was within this window, so I waited. Each time I called after that they assured me that they would report and did not. I am currently shopping around for mortgage loans and by them not reporting, this negatively affected my credit report. When you pull both mine and my ex wife 's, who is also on the loan, credit report it shows no account for SLS. Just the closed account from XXXX XXXX. This is also negatively affecting my ex wife 's credit as well. It has been over 2 months since the initial 60 days have passed and they still have not reported us as their customers. All I want them to do is report our account to the credit bureaus, but they seemingly are refusing to do this either to incompetence or maliciousness. I have no doubt that if I missed a payment or stopped paying them, that they would report with haste.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 XXXX student loans that are still being reported " past due '' after 2 months of being paid. XXXX and Experian refuse to update these accounts and show paid as agreed or atleast current. Please help me this is killing my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent letter to XXXX XXXX sent letter to Experian XXXX, XXXX, and Experian are all showing a Hard Inquiry from a Company XXXX XXXX for XXXX XXXX XXXX. I don't know who this entity is, and have never done any business with them, nor do Ihave no accounts with them. I sent letters executing my Consumer rights under the FCRA to XXXX, and Experian. I Have called XXXX, XXXX, and Experian multiple times asking them to please remove this from my credit report. Every time I ask them kindly on the phone to remove the inquiry they tell me its not my right to do this, and that I the consumer need to call the company reporting this and fix the problem. I do not know who this company/persons are. It is the Consumer Reporting Agency who must report accurate information. Now I have an inquiry on my report that looks like i was shopping for houses when i was never in a position to do this. I don't know how this was ever disputed found as fact correct. I feel like the Bureau 's are taking advantage of my Consumer rights when they are not protecting me, the consumer. They just take XXXX XXXX 's word. I guarantee they have not sent any contract or paperwork with my signature proving to the Agencies that this is factual.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and XXXX am submitting this complaint myself about continuous violations from Equifax. 

Equifax keep reporting inaccurate information about me without permissible purpose. I have given Equifax written instructions on how to report ANY information about me yet the issues haven't been resolved. 

My name, address, number, etc is reporting inaccurately and demanding Equifax to report accurate information about me, the consumer. 

Furthermore, an account was reinserted by Equifax and want to know what methods were used to make this conclusion. Did the company provide a wet-ink signature to Equifax to XXXX this account with XXXX XXXX XXXX XXXX If so, please provide the relevant information as proof of claim for reinsertion. 

Not to mention, the account is reporting without a balance amount, majority of the fields with the account is blank. How is this so, and please provide proofs of claim as to how this is permissible under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report I did not authorized XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear CFPB, I am writing to report ongoing issues with the removal of negative accounts over 7 years old from my credit reports, as required by law. Despite my efforts, the following accounts remain on my credit report, and I request immediate assistance in ensuring their removal from all bureaus. 

TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is also still reporting as a collection account ) XXXX XXXX XXXX Reporting negative XXXX : XXXX XXXX XXXX XXXX XXXX XXXX accounts should no longer be reported as they are either over 7 years old or have been removed from other credit bureaus. I have made several attempts to resolve these issues directly with the credit bureaus, but these accounts remain on my report.

Please investigate and ensure these accounts are removed from all of my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Student loan

I submitted a request for Income Based Repayment early in XX/XX/XXXX. Navient received the information on XX/XX/XXXX, per a phone call with Navient on XX/XX/XXXX, approx. XXXX XXXX. I received an email from Navient, with an authorized Navient sender, on XX/XX/XXXX, stating that my request had been approved and I would receive information on the amount of my reduced payment. I still have that email in my box. However, in the call on XX/XX/XXXX,  representative stated that there was no record of that email, and stated that my request had not been fully processed, even though they do have all the information they required ( rep stated this as well ).  They had also already started payment, scheduled for XX/XX/XXXX, on XX/XX/XXXX, per representative. They are authorizing payment on active IBR requests 5 days prior to the due date. They are also issuing false emails saying IBR requests have been approved with no record of that statement.
Product: Mortgage

XX/XX/XXXX by me paid into my escrow account XXXX to fill escrow shortage and stop house payment from increasing. Paid all house payments of XXXX regularly without no late payments. This included taxes and insurance. Now after Plant Home Lending did a " escrow analysist '' Plant Home says I will be short XXXX in escrow and with the storage and higher something either taxes or insurance after 13 months of payments being XXXX the shortage will be paid and my new payment will be XXXX. My taxes have not increased they are like XXXX a year my insurance went down to XXXX a year. And all that is paid through escrow that Plant Home is paying and charging me three times for.

I called Plant Home and talked to a rep to find out how I was short, she transferred me to my home insurance company of XXXX. All is good with XXXX I have one policy paid in full good till XX/XX/XXXX. I called Planet Home again to ask where they get the info from again was transferred to XXXX. Plant Home will not answer my questions of how I became " short '' in my escrow account nor will they answer where the amounts Plant Home pays comes from. When looking at account on line nothing but my payments are visible not who escrow is paying or how much money is being paid to who. Charging me for escrow accounts or bills that are not mine out of my escrow has to stop.