23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Here is proof of intent to defraud me and my insurance agent.Planet home lending insurance every year sends if you do not provide evidence of insurance they will add on. 
Every year the evidence is provided.Every year they have to remove it when i find out they added it.Here is the copies of my insurance office sent to PLANET HOME LENDING INSURANCE.The evidence is automatically sent by insurance .Yet they still send letter. 
I make sure with my insurance office and request a copy.I have had same insurance office since XXXX same policy since XXXX XXXXLast year a new agent at the same office.Planet even called the new agent trying to say that when loan was transfered from XXXX had insurance impounds on the loan.I have proof that this is not true as far as i have been told.The man in charge of insurance every year AFTER HE HAS RECEIVED THE EVIDENCE OF INSURANCE. I force him to remove it.This year Planet went way out of their way to cause fraud on the insurance. # XXXX XX/XX/XXXX requested evidence .Office provided it twice .The policy did not expire until XX/XX/XXXX XXXX XXXX prior to the expiration with the evidence in the file .Planet in true FASHION OF THEIR ATTEMPT TO DEFRAUD The XXXX XXXX  on XXXX lot .Planet went to my insurance company DIRECT WITHOUT ME OR MY AGENT KNOWING. ( placed insurance on three of the four residents same lot all on same loan with my insurance company ) When I had asked my agent ( new agent to be sure Planet did not add insurance ) Planet SAID I WAS PAYING MY INSURANCE XXXX XXXX TAX OFFICE AND XXXX XXXX IN TAX OFFICE AS A COURTESY SAID I WAS PAYING THE INSURANCE.You can not trust any person involved with Planet Home Lending.RESPA LAW would have required any impounds insurance for me to be notified.Why would planet sent the letter if you do not give evidence we will add on insurance.Then have a Planet Insurance call my agent SAYING THE LOAN HAS ALWAYS HAD IMPOUNDS FOR INSURANCE. I have provided the head guy in the insurance, who has made a real mess.Now he wants me to believe that the insurance company that received payment from him.Will send me refund checks .And that when I finally get them THEN PLANET WILL MAKE MY IMPOUND ACCOUNT ZERO.I have forwarded you his letter.XXXX  says i dont have impound accts anymore.Refuses to say why it happened in the first place.Why i have to try to get my insurance company to forward refunds to me that I did nt send to them .At that time he will remove from the FAKE IMPOUND ACCOUNT HE SET UP PRIOR TO INSURANCE EXPIRING. 
ITS TIME TO SEND TO DEPARTMENT OF INSURANCE AND ATTORNEY GENERALS OFFICE. I do not have any control of this loan .Planet has done the same thing with my taxes. YEAR AFTER YEAR SAME THING. You need to see the attachment .I will also mail more of what i have found.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WHITH THE FAIR CREDIT REPORTING ACOUNT # XXXX HAS VIOLATED MY XXXX XXXX XXXX XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX XXXX SECTION XXXX A XXXX XXXX IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WHITOUT MY WRITTEN INSTRUCTION
Product: Mortgage

They sent us a letter offering a forbearance because of Covid. We took a three month forbearance. Ever since the first month, we are receiving notices of late payment, and harassing phone calls about late payments. I have received a call from them every day this week. I have called to speak with them and they assured me that the account is in forbearance. They didnt know why we were getting the letters but said they were probably automatic. They could not verify that they are not reporting negatively to the credit agencies. In addition to the attachment below, we have received two other late notices. Ive had to call to get them to remove late charges assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank has a duplicate account being posted on all XXXX of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all XXXX bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however not only is it a duplicate account one has XXXX late payments on a secured credit card and one has XXXX late payments on another. Now according to 1666b. 
Timing of payments ( 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. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, 123 Stat. 2998. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Not ever was permission granted or requested, to track, list, store, report, gather, or handle by any means any information with regard to XXXX XXXX XXXX. If any documentation exists that shows any such permission has been granted or otherwise authorized, let it be stated : under false pretenses and without full disclosure were these contracts acquired. 
Furthermore, with regard to statements made by creditors or government agencies of all type, that claim liability and or levy against XXXX XXXX XXXX, let it be as stated : these are all in violation of public policy as XXXX XXXX XXXX is exempt from levy ; XXXX XXXX XXXX COMPANY 1933.
Product: Prepaid card

Purchase a {$200.00} Vanilla Visa gift card at XXXX on XXXX Gave to son for XXXX. He attempted to use the card but was declined. I contacted the company phone # on XX/XX/XXXX, XXXXand was advised there is still {$200.00} on the card. They requested email with my Driver License picture, pic of front/back of gift card and receipt from XXXX purchase of card. I sent requested info on XX/XX/XXXX. Was told to wait 1 week for response. 
Called back on XX/XX/XXXX, was told it would be another week. 
Called XX/XX/XXXX spoke to manager and was told a new card would be received by XX/XX/XXXX. ( 53 minute call ) XX/XX/XXXX no card received yet. 
Called XX/XX/XXXX. Still on hold ( been 25 minutes at this point ).
Product: Debt collection

In XXXX, XXXX I was searching online for an affordable small business merchant account to accept debit/credit cards. I put my contact information online and XXXX XXXX XXXX an Agent of XXXX XXXX XXXX XXXX ( See Attachment # 1 with his company contact info including office and cell numbers ) called me within an hour of my query. Later that day, he emailed me the prepopulated merchant application based on my responses to his questions during that call. I got no other documents to sign to complete that application which clearly stated fees of only {$19.00} annually and a monthly fee of {$25.00}. XXXX XXXX XXXX XXXX is the merchant It sounded perfect so I signed and digitally sent back the merchant account application. The following month ( XX/XX/XXXX ) they debited {$71.00} from my account as a fee. I immediately called XXXX XXXX who stated that they would correct that error. I waited but no correction was made in spite of numerous phone calls to XXXX XXXX. The following month ( XXXX, XXXX ) they debited {$71.00} from my business bank account again. At that point, XXXX stopped taking my calls and did not respond to me voicemails or emails to correct the issue. 
I then contacted my bank to block any further payments to them. The XXXX payment was reversed and the XXXX, XXXX was blocked. 
On XX/XX/XXXX I completed their Closure Request Form and emailed it to XXXX per the instruction on the header of that form. ( See Attachment # 2 ). I also faxed that Closure Request form to the fax number on form header. ( See Attachment # 3 - proof of fax ) On XX/XX/XXXX I emailed XXXX XXXX notifying him that I cancelled my account and once again wanted those fees refunded ( See Attachment # 4 ) On XX/XX/XXXX, XXXX XXXX responded to my message instructing me to Fill out the form and return it. XXXX said when its returned your account will be refunded. ( See Attachment # 5 ) Instead of refunding my account, XXXX XXXX put an unpaid debt on my credit report in the amount of {$630.00}. Over the years I have disputed this bogus debt every year since XXXX. Each time they reply that the debt is valid. They subsequently sold the debt to a collection Agency and as of XX/XX/XXXX XXXX XXXX XXXX claims I have a {$770.00} unpaid debt. 
PLEASE HELP right this wrong. By law, I owe them nothing because 1. I sent in their Cancellation Form stating clearly NO FEE & refunding ALL charges ( See Exhibit 4 and 5 ) 2. I never signed off or agreed to Early Termination Fee nor received the Merchant Processing Terms & Conditions to sign and its Paragraph 23. In spite of that language which was obviously inserted when I requested a copy of documents to dispute this error on my credit report. { see language that I highlighted in Exhibit # 2 ) 3. They exploited me and this fraud is causing me hardship and holding me back in my financial life during this worldwide Pandemic.
Product: Debt collection

The creditor called me XX/XX/XXXX and I talked to them. I have been XXXX and unable to work for over a year. I do have insurance through this loan ( same company ) and it has been making the payments. When I talked to the women on the XXXX she explained that I needed to fill out a claims paper and have XXXX XXXX XXXX it out again. I did this earlier in XXXX also. I filled the paper out and drove to my XXXX XXXX  and dropped it off for them to fill out again and fax again. My last appointment was XX/XX/XXXX and my next follow up is XX/XX/XXXX with a no work status. After I talked to the lady at OneMain and telling her Id send the paperwork I was called by them ten more times between XX/XX/XXXX & XX/XX/XXXX. I answered the call today and explained to the man that I talked to somebody the XXXX and I dont know why they keep calling me? He continued to ask when I was sending the paper, how long am I going to be off? I told him that they are not permitted to call someone more than 7 times in 7 days and tat they called me 11 times in 4 days. He basically said that he can call as many times as he wants with a collection account? I responded again that I talked to them the XXXX and it will be taken care of. He continued badgering me so I hung up. I do have screenshots of all the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the XXXX Account listed as items 1, 2, 3, 4, & 5, has violated my rights.

Pursuant to 15 U.S.C. 1681 ( a ) ( 4 ) I have a right to privacy.

Pursuant to 15 U.S.C. 1681 ( b ) ( a ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions. 

1. ) XXXX  XXXX XXXX  {$920.00} Closed XXXX potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Payment Info Status Charge-off 2. XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$460.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer XXXX. XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX {$8400.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX. ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$240.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Debt Buyer XXXX. ) XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection
Product: Debt collection

Good Afternoon, I received a letter from Carter Business Service , Inc. attempting to collect on a medical debt from 2015. This debt is time-barred under Massachusetts law XXXX M.G.L. c. 260, sec. 2 clearly states that " [ a ] ctions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section one or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues. '' However, the letter clearly threatens to take legal action against me in violation of the Bureau 's Regulation F, 12 C.F.R. 1006.26 ( b ), which states that a " debt collector must not bring or threaten to bring a legal action against a consumer to collect a time-barred debt. '' The letter, in relevant part, reads " [ w ] e regret that our client may need to take further action to protect their interests! Should you prefer to avoid this action and make arrangements, please contact us today. '' Moreover, the letter does not disclose, in any way, that the debt is time-barred. I had to do a XXXX search to figure out whether the debt collector could still collect on the debt- which they can not. This failure to disclose that the debt is time-barred is a deceptive practice under the Consumer Financial Protection Act ( " CFPA '' ) as outlined in numerous CFPB enforcement and consent orders against debt collectors dealing with time-barred debt. 

The letter is also materially misleading. It claims that I owe {$750.00} in one place but the payoff amount is {$900.00}. It is unclear which amount I actually owe.
Product: Credit reporting, credit repair services, 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. 

-XXXX XXXXXXXX Account XXXX XXXX, has violated my rights. 
-XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, : XXXX XXXX # 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 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: Credit card or prepaid card

I initiated a dispute for a fraudulent charge on my credit card. The dispute was not completed and the account closed, charged off and sent to a collection agency. 

The collection agency advised that upon payment/settlement, the account will be deleted from my credit profile as a result of the fraud dispute as a courtesy as they did not have any records. I made payment and the account was not deleted. I further contacted the lender to resolve the issue and have been sent in circles between the lender and their collection agency to no resolve.
Product: Mortgage

We worked with a GREAT mortgage person to secure a mortgage loan in XXXX with PUF. We have been ON XXXX & XXXX & on our monthly payment for 11 months and are still current as I write this complaint/statement. For some reason since about XXXX of XXXX, we have been getting " collection calls '' EVERY month. XXXX is going in with this company? Did they get a new head of the AR department, that sees it fit to " harass '' their customers? They answer the phone with the standard statement " this is an attempt to collect a debt, any info will be used for that purpose ''. What a GREAT customer service approach!!! Again I have had a half dozen mortgage loans & NEVER have been late & NEVER had this kind of service or better description, HARASSMENT! I have to go to my account EVERY month & make sure that all my deposits were made, as ell as my online bills posted. I have had my account compromised more than one time by the online thieves. So needless to say this cause unnecessary STRESS, when I get a " collection '' call, for a mortgage that is & always has been CURRENT! I asked the CS gal if they would call me for the next 30 years, EVERY month, if not paid on the XXXX, ( which they give you until the XXXX each month to pay ) she said yes probably, but I could set up auto-pay to avoid their calls. I had to remove my husbands phone number from the database as they were calling him at WORK! Talk about unneeded added STRESS! I have had been hung up on in previous months, because the rep who answered the phone when I returned the call did not have XXXX as his first language & he could not understand me. On another occasion, the " collection person '' who left me a message did not hang up her phone after leaving the message, so I got a 45 minute voice mail. This is the worst CS I have ever received, only second to XXXX XXXX XXXX who is rumored to be going out of business here. What upsets me even MORE is the fact these companies who loan us money or offer services OWN us through the credit bureaus. They can report anything they want ( as they PAY, and are the credit bureaus CUSTOMER ) and there is NO real verification process. Then our credit worthiness is determined by a FLAWED system/number AND the XXXX NEVER match. Because the harassment policy of XXXX, I will NOT be recommending them to anyone! If they do NOT CHANGE this harassment " collections '' policy to STOP stressing good customers, I will be reporting them further & I WILL change my phone number with them.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please removed this account from my report, this is hurting my ability to obtain credit and also causing me to have very high interest rates.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Grain technology company will not let me change my payment method or my bank account to make a payment and they were reporting late payments on my credit report. I have tried emailing them and calling them and they are not responding. They will not let me change my payment method. They are scamming and racking up on fees.
Product: Debt collection

Account # XXXX This item was purchased by a third party debt collector ( CKS Prime Investments LLC ) This account must be deleted as the status is not correct, the amount is not correct. The account was paid for less than owed by the third party debt collector. According to the Fair Credit Reporting Act ( FCRA ) Section 605. It is illegal to report information that is not accurate on my credit report, also without my permission. THEREFORE IT MUST BE DELETED IMMEDIATELY. How much did the collection company paid for it the item? I don't know, nor does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete.
Product: Credit reporting or other personal consumer reports

few accounts are reporting incorrect information, also multiple fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an investigation on my credit report which is causing me so much stress. I pulled my credit report from XXXX XXXX XXXX and I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate. In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

On XXXX I mailed a certified letter to you about a inaccurate account on my credit report. I checked my credit report to see that the account was not deleted or updated. On XXXX I sent a certified letter again to do a reinvestigation on the same account that was showing inaccurate information. It shows that the letters were delivered and the accounts were not deleted or updated again. It has been over the 30 day time to rectify this inaccurate information and they refused to do it. 

Here is the account : I sent This letter to XXXX, Experian, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX # XXXX XXXX ) Date of Last activity : XXXX reported date XXXX, Experian reports date XXXX and XXXX reports date XXXX. Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report I underlined and highlighted the error as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.