23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I contacted Paramount Recovery Services Collection Agency in regards to a notice I received on my XXXX XXXX  of two negative accounts. I disputed them through XXXX and XXXX  without success. I called Paramount today and the associate was very rude and spoke very quickly the first time I called. I was not aware of these medical bills and have been disputing many of them from different collection agencies from XXXX and XXXX and most have been deleted as I had insurance during these years. The person I spoke to said the original creditor was XXXX XXXX XXXX but would not give me their number due to " HIPAA '' and would only give me the date of medical service. She said she would send a letter with their information but that it won't change the outcome of my dispute. I called again and another associate was able to give me the name of the hospital and exact date of service but not a phone number to the original creditor. She said I have to prove I paid the debt or that my insurance paid the debt ( well, duh, that didn't happen ). I called the hospital and they gave me date of service, total bill ( about 5000 dollars ) and what was performed. She also could not provide a number to XXXX XXXX XXXX yet they work directly with the hospital?? I asked why these two bills were not paid since I was told my XXXX XXXX XXXX paid hospital visit or ER visit in full which is the insurance I was on at the time? She said some doctors outsource and might not accept the insurance. I asked where does it state that when I go to the ER? She literally did not answer my question and just kept saying that most people appeal it through their insurance and win but with county insurance you can't appeal? I couldn't even get through to XXXX XXXX XXXX today. I am now aware that in XXXX a law was passed so that patients don't go through " surprise bills '' for this very reason. So because I can't get through to XXXX XXXX XXXX according to XXXX ( XXXX XXXX ) billing department I can't get information on the doctor that billed these amounts to me. I am now on permanent XXXX and I am tired of these medical bills showing up on my credit report that I don't remember receiving in the mail as I have moved five times since XXXX. But even if I did receive these bills, according to everyone I have spoke to their is nothing I can do except pay up. Please help me because this is wrong!!! Paramount Recovery has accepted this debt so they are responsible for making this right!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect Information on my credit report. My accounts are not reflects as being paid or over the balance.
Product: Debt collection

Acc. XXXX , commonwealth financial. This is the second time a dept collector came after me for this. This is not me. They asked me for my SS number I said you tell me what you have on file. Last time it dropped my credit score by 17. I got it taking off . Now a few months later this different collector started calling. And my score drop 45, from excellent to good . this is unacceptably.
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 Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been cleaning up my credit report all year, and I get a notification that a collection acct been added to my credit report to my knowledge I never heard of this company, Calvary collection agency stating I owe XXXX which I asked what company this debt coming from. XXXX XXXX XXXX dropped off my credit report because I paid and they agreed to delete and turned around BBB and sold my paid to deleted acct that was removed to XXXX collection agency, I was n't notified about this action of selling debt off my debt that a previous agency agree to delete.
Product: Debt collection

In XXXX, I was subleasing a home in XXXX, CA where multiple things were fraudulently placed in my name. I am not sure why XXXX XXXX XXXX is trying to collect a debt I do not owe. The original alleged debt is with XXXX XXXX. I have no problem settling if either company could verify in writing the 5 things needed to validate an actual debt, which I know can not be done. I would like this removed off of my credit report immediately. 
Company is currently in violations of the following laws : -15USC 1692 ( k ) -15USC 1692 ( g ) -15 USC 1602 ( f ).

-15 USC 1692 ( g ) Please be advised that under federal law, consumer is able to seek remedy up to {$1000.00} per violation.
Product: Credit card or prepaid card

Hello : I have applied for a Citi XXXX XXXX card online, after being lured in with an offer to receive 50,000-miles bonus, in XX/XX/2019. I was approved, however the miles bonus couldn't take place since I already had a rewards card with Citi in the past and 24 months have not passed since that card was closed. As a result, I have declined the card. 

I have never received a card in the mail nor did I activate it or use it. 

Today, XX/XX/XXXX, I have received a statement listing a fee of {$99.00}. I have attempted to contact Citi by phone or online right away, to no avail. I proceeded with closing the card using their automated service since I couldn't speak with a live body. The online chat service was unavailable. I couldn't even login to the account since I don't know the card number. Again, I never got the card, activated or used it. 

I have XXXX credit score and will be devastated if this company will ruin it with unethical practices. 
Please take action. 

Thank you. 
XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I filed bankruptcy to save my home from Foreclosure. 

My mortgage was sold from Franklin American Mortgage to Citizens One Home Loans later in XXXX. 

I was not made aware of this sale until aboutXX/XX/XXXX. I was advised to set up an account with their site XXXX. This site does not allow you to make payments. But to apply for relief. Which is fine. I applied for relief for a loan modification at this time. I did not here back. Instead I believe I was out into a forbearance plan without my knowledge. I did not receive a statement for my mortgage until XX/XX/XXXX. At which time I was advised to set up another option for mortgage relief. I again applied for loan modification and received no information. In early XXXX I applied again and again was placed into a forbearance without my knowledge due to COVID. 

I applied again for mortgage relief at the end of XXXX, and in XXXX of this year and XXXX. 

To date I have made 4-5 applications through either mail, fax, and uploading to Citizens dedicated website. I have made several calls to their collections department and am consistently told the department I am looking to speak with is not in and they will call me back. 

At this point I have been placed in several forbearance Lis without my knowledge and every time I call to correct this and set up a repayment plan to begin repaying my mortgage. I am told someone will call me. 

I have never received a phone call. 

I believe Citizens Bank is actively ignoring my requests for mortgage relief weather it be through a loan modification, forgiveness, or simply setting up a repayment plan that is sufficient for both Citizens and myself. I simply want to begin to repay the serious past due amount. So that this situation gets rectified. 

As of this date I log in to the XX/XX/XXXX website and it has all my documents uploaded for 5 months and none of them have been reviewed.
Product: Money transfer, virtual currency, or money service

Between XX/XX/2022 and XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX  ( XXXX USD at the time ) from my Coinbase account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii )
Product: Mortgage

I am a victim of predatory lending by PHH Mortgage and its partners. 
My loan was approved with a fixed rate. Every documentation I signed was for a fixed rate. The company then switched terms at closing without my knowledge and I was not an expert at the time on anything I was signing nor was it explained to me. The lender then sold my loan multiple times and it was flipped to an XXXX Mortgage that I didnt understand. This caused me many years of finanicial distress. The original loan was for {$150000.00} and now after paying for XXXX years, I owe more than the original balance because of this preditory lending. I was forced to get a modification to stay in our home, because of this predatory lending. This ilegal act has not been investigated all these years and I wish to finaly have a resolution. The resolution I seek is to apply the XXXX years of payment towards the {$150000.00} balance because of this violation and consider the note paid in full! I would consider adjusting the pay off balance to less than the original {$150000.00} balance with fixed payments applied and remove the ballon payment caused by the original predatory actions that forced me to get behind due to the change to an XXXX mortgage that I never signed up for.
Product: Vehicle loan or lease

Hyundai Motor Finance is operating in fraud and performed an illegal repossession on my property. Hyundai Motor Finance sent a 3rd party company to my private property and stole my car. Hyundai Motor Finance is in direct violation According to Federal Law 15 USC 1692e ( 4 ) - which states the representation or implication that nonpayment of any debt will result in the arrest of any person or the seizure, garnishment, attachment or sale of any property or wages of any person. Furthermore Hyundai Motor Finance does not have any legal security interest in the vehicle they repossessed/ stole from me, according to the XXXX search attached below there is no legal lien of any kind on my name. Furthermore Hyundai stole my vehicle and my personal property inside of my vehicle with a value of {$250000.00} and gave me no way of retrieving my personal items or getting my property back. Furthermore I asked Hyundai Motor Finance for debt validation on XX/XX/2021 and received by XXXX on XX/XX/2021 in which they did not validate the debt thus defaulting, I sent a default and opportunity to cure notice on XX/XX/2021 and received on XX/XX/2021 in which Hyundai Motor Finance did not respond. I sent a default notice on XX/XX/2021 and received XX/XX/2021 in which Hyundai still has not responded. I have evidence and receipts for all of these mailings in which everything was sent via Notary Presentment.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My credit report is reporting negative information on an old mortgage. The account number is not verifiable " XXXX ''. I have tried to call BoA and also all three credit bureaus to resolve this information but I am unable to do so. I am unable to verify this information.
Product: Debt collection

Repeated calls from aspire claimed XXXX due back from 2013 the company went out of business
Product: Mortgage

Our mortgage company, Seterus , Inc., recently changed their statement date. Because they allow a 15 day grace period for the mortgage due date ( which is the XXXX of each month ) we have our payment posted on the XXXX of the month. This is still considered a timely payment. But now, because they moved up their statement generation date to earlier in the month, the on-time payment made on the XXXX, does not make it into the statement period. The result is that every statement we receive shows that we are always a month behind in payments. If we needed to provide copies of our mortgage statement, they would show that we are always behind. It should be a fairly straightforward programming fix for Seterus to fix, but they refuse to do so.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. XXXX XXXX. XXXX ( A ) ( XXXX ) 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

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. [ XXXX XXXX Account XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. It is my understanding that you must verify these items with the reporting creditor for accurate. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Pay As Agreed, Never Late ) according to consumer protection laws.

I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Mortgage

To Whom It May Concern, I am writing to several agencies because I am not exactly sure which one is the most appropriate for this complaint. 
My mortgage loan was recently ( XXXX/XXXX/15 ) sold by XXXX to a collection agency called Carrington. I never missed a payment nor was late with a payment. I do understand that, under the terms of the loan, XXXX may sell my loan servicing to other entities. I also expect however, that whichever entity they sell it to would be able to service it adequately and legally, and follow the terms of the loan. Carrington appears to be unable to do so. 
I attempted to make an additional principal payment during my first online session and was informed that I could not do so. I was informed that the maximum payment I was allowed to make was the minimum payment I had to make ( see attachment ). I do not believe this is legal, ethical, nor within the terms of the loan agreement. 
When I complained to XXXX with the following message, '' Date : XXXX XXXXXXXXTo : XXXX XXXX XXXXSubject : XXXX You sold my mortgage loan to Carrington vultures. I tried making an online payment, adding an additional principal payment. Even though it is an option on their online form, they would not allow it. What kind of cheap, XXXX XXXX are you selling citizens loans to? I have never missed a payment nor been late with a payment and you sold my mortgage to an unscrupulous collection agency. I will be reporting them and you to the appropriate regulatory agencies. " XXXX responded that I should call Carrington and make the extra principal payment over the phone. 
Yes, I could call Carrington. In fact, just a short while ago today Carrington called me ( I refused to talk with them ), probably in response to a message I left them informing them I was making this complaint. And yes, I could probably call and make the extra principal payment over the phone, as XXXX suggested. But what about all the other people who will have to deal with this collection agency and not know their rights or maybe do not understand the terms of their loan? What if they believe the message that their minimum payment is their maximum allowable payment? I believe that the Carrington collection agency should be investigated and persuaded to change their website online access to give accurate and legal information to the people unlucky enough to have them collecting their loans. 
I understand why XXXX has to sell the loans ; competent financial managers are hard to find and XXXX is probably in need of fast cash to shore up some bad investment choices, but they should still take the time to vet the collection agencies to whom they sell their loans to ensure a consistent quality of service for their previous customers. Would n't you agree? 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I XXXX XXXX on XXXX XXXX Sent a goodwill letter to said company Capital One asking for removal of negative report of late fee. Capital One responded that they are not able to removed these negative report.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a renters report from the apartment complex I just applied to. It lists an address from 2011 that I have never ever resided at, I contacted the company ( Experian ) months ago and was told it would be taken off and now I see that it is still being listed as a previous address. I want it removed from my consumer reports
Product: Credit card or prepaid card

In ( I believe ) XX/XX/2018, my XXXX XXXX XXXX card switched to AMEX. I received some communications re : this transfer, but I never received my card. I continued making payments to XXXX, until I received a bill from AMEX. I tried to call AMEX to  make my payment, but I needed my account number to get through to someone ... which I didn't have because I never received my card. I could also not login online to make a payment for the same reason. I went ahead and scheduled the payment through my bank using the last four digits of my account number, which is all the bill provided me. This payment was never processed and after several months my bank informed it was returned by the payee. I did however receive a late notice from AMEX and finally was able to contact someone to process my payment. They removed the late fee, but I believe this may have negatively impacted my credit report. They refused to tell me if it did or not, but my credit score did drop in spring 2018. The transition from XXXX to AMEX was not done well -- the calling/login systems should not be dependent upon receiving the card. I'm stationed overseas with the XXXX and we often have delays in receiving mail or do not receive mail altogether.