23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CFPB Portal** **Re : ** Response to CFPB Case # XXXX Dear XXXX Representative, Your response to my complaint is wholly inadequate and fails to address the critical issues of your unlawful and deceptive practices. Let me be clear : I will not tolerate violations of my rights under the **Fair Debt Collection Practices Act ( FDCPA ) ** and the **Fair Credit Reporting Act ( FCRA ) **.

1. **Unlawful Reinsertion of Debt Without Notice** You acknowledge in your response that my account was placed into a **cease and desist status** and designated as **Call Attorney Only**. Despite this, you re-reported the debt on my credit report without providing the legally required notice under the FCRA. This is a direct violation of federal law and has caused unnecessary harm to my credit profile and reputation. 
If the account was in " cease and desist '' status, how is it lawful or ethical to re-report the debt without my knowledge? Your failure to notify me of this reinsertion violates my consumer rights and demonstrates either gross negligence or willful misconduct.

2. **Failure to Provide Adequate Validation** The documents you provided do not constitute proper validation of the debt under the FDCPA. You are required to prove the following : That the debt is valid and accurately calculated. 
That you have the legal right to collect on this debt. 
That the chain of title for this account is clear, including documentation of the transfer from XXXX XXXX. 
Your request for **proof of payment** is inappropriate and an attempt to shift the burden of proof onto me. The obligation to validate the debt rests entirely with you, the debt collectornot the consumer.

3. **Misleading Attempt to Conclude the Case** Your statement that " this information should bring this matter to a conclusion with our office '' is both premature and false. This matter is far from resolved. You have yet to : Remove the improperly reported account from my credit report. 
Provide full documentation proving your legal right to collect this debt. 
- Acknowledge and remedy your violations of federal law. 
DEMAND FOR IMMEDIATE RESOLUTION To resolve this matter, I demand the following : 1. **Immediate and permanent removal of this debt** from all credit reports with all credit bureaus.

2. Written confirmation that this account will not be re-reported in the future.

3. Compliance with FDCPA and FCRA requirements, including providing complete and accurate documentation proving the debt 's validity. 
If these demands are not met within **30 days**, I will escalate this matter. This includes filing additional complaints with the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and my state Attorney Generals office. I am also prepared to pursue legal action for damages caused by your unlawful reporting and collection practices. 
I expect an immediate and satisfactory resolution to this matter. If you fail to comply, you will leave me no choice but to take further action. 
Sincerely, XXXX XXXX social Security XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... DISCOVERBANK XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Checking or savings account

Wells Fargo closed my checking account without warning and for no stated reason. I have a direct deposit coming into the account tomorrow and Wells did not give me sufficient time to change the direct deposit method with my employer. As a result of this action, my access to my funds will be delayed and I will be unable to pay my bills on time causing significant ha rdship,
Product: Student loan

" FedLoan Servicing '' received my request to recertify my income-driven repayment plan on XX/XX/XXXX ; on XX/XX/XXXX, I received notice that " At this time, we [ FedLoan Servicing ] are currently experiencing a high volume of IDR requests. '' This continues a consistent pattern of communication lags around IDR recertification requests of at least one complete billing cycle -- seemingly pushing back their need to communicate around IDR recertification requests sufficiently long that borrowers ' IDR plans will lapse, and borrowers will need to make full payments ( this occurred last year, as I received multiple requests for information that FedLoan Servicing admitted to *not* needing -- I had mistakenly noted that I had been married during the last year, but as we were not filing our taxes jointly as yet, this would not impact my payment levels ; however, because I had *noted* the change, FedLoan Servicing insisted that I submit all of my wife 's financial documentation, and repeatedly rejected it ( she is an XXXX, and thus could not provide documentation from her employer ). However, at least three to four weeks were allowed to elapse between each communication I received from FedLoan Servicing, maximizing the number of billing cycles during which I was forced to make full payments after my IDR plan had lapsed. It now appears that FedLoan Servicing is engaging in similar delaying tactics this year, waiting over a month to respond to my IDR recertification request, and then only to make the excuse of " high volume '' and provide *no* estimate of when this request will be processed.
Product: Vehicle loan or lease

I have contacted the third party that loan was sold to multiple times to get the loan removed. The vehicle was a total loss and I had gap insurance on the loan. I provided a police report and the vehicle is not in my possession anymore. Also charged more on the loan once the loan was sold to the other company. The amount remaining on the loan is about {$15000.00}.
Product: Mortgage

In XXXX our mortgage was sold to Selene Finance LP. We were not informed of this switch in a timely manner. They sent us a letter that was dated on XXXX XXXX. We received a letter from them after XX/XX/XXXX and they were contacted since we had not made our XXXX payment. My husband made the payment over the phone and it was drafted from our checking account on XX/XX/XXXX. My husband proceeded to set up over the phone an ACH for our checking account. He was informed that nothing else needed to be done and that we were set for the following month for the monies to come out of our checking account. In XXXX we did receive a letter asking us to set up the ACH which I did with payment to come out on the XXXX of ever month. In XXXX they drafted XXXX house payments on XX/XX/XXXX and XX/XX/XXXX. I contacted them immediately regarding this and was informed that they would issue a credit back to us for {$1200.00}. We were never credited back this amount. In XXXX they took another payment out for {$1200.00}. They said that we would get a credit and they would not take the payment out for XXXX. XXXX came and they again took out another payment which should not have happened. I finally was able to speak with a supervisor on my third call to try and get this money back to us. I believe is was XX/XX/XXXX. I asked if you can take an ACH out can you not do an ACH back to us for {$1.00}, XXXX. She reported that they could do this, She stated she would send to a rush on this to billing. I asked if I could call her back the week of the XXXX for follow up. She does not have a phone or an email account but did give me the alphabet of her last name and I could ask for her when I called back. I did not have the opportunity to call her back. We had to take money out of savings to cover this additional payment that they had no right to and it does not appear that we will get a credit back. I feel that I have put in enough time to try and settle this. They are a very, very, bad mortgage company and consumers need to be aware/ Looking at reviews online of this company verifies a bad comment. How they manage to continue to be able to be in business is beyond me Why there license has not been pulled is a disservice to consumers. It is like they want to force one into forbearance. It is very difficult to even reach somebody to speak with.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

hi i just found out that bad information from collection agency keybridge medical revenue sent to XXXX and it ruined my credit i just cant see hou they can pull a name out of a hat and send it they said the creditor witch is XXXX sent them the information and they sent it to XXXX that is a lie XXXX sent them paper work and a ss # of the real person since i have the same name of this guy and they could not find him they used me i think something has to be done how can they get away with this please help me i am under full and permanently XXXX i had my XXXX i cant take much moore of this please help
Product: Credit card or prepaid card

I made a payment to my Wells Fargo Visa credit card through transferring the amount of {$4000.00} on XX/XX/21. I monitor the available credit on my cards to maintain a low balance and to help protect against fraudulant activity on my accounts, in doing so I noticed on XX/XX/21 I had an available balance of {$3400.00} for my Wells Fargo Visa which has a credit line of {$5000.00} so I made a payment of {$1600.00} on XX/XX/21 to keep my balance at {$0.00}. Today ( XX/XX/21 ) I signed on to the online portal and to my dismay I saw an available line of credit of ~ {$270.00} which tranlated to me owing {$4700.00}. 

I immediately called the Wells Fargo Customer support line as the math didnt make sense as the transactions including pending transactions didnt total the balance shown. Upon being transferred to the XXXXCustomer Advocacy ' team I was informed that they had a 'glitch ' which applied a duplicate payment to my account and they 'fixed " the glitch. I proceeded to inform the agent that this was completely unacceptable as I had received no communication or advance warning of any these issues and she proceeded to search for a communication or bulletin. After about XXXX minutes of putting me on hold she was unable to refer to any artifacts sent to me notifying of the event and the redaction they applied to my account. I have no fair in their accounting and am now concerned what other alterations have been made to my account without my knowledge.
Product: Debt collection

I sent RMP, LLC a debt validation letter on XX/XX/2021 which was delivered on XX/XX/2021 by UPS. It is now XX/XX/2021 and I have yet to receive any information validating the debts that are currently being reporting on my credit reports. I also never received any initial communication from RMP, LLC regarding this debt. The only way I know it exists is because I monitor my credit reports and noticed that it is being reported. And since I did not receive any letters from RMP, LLC prior to them starting to report the debt to the credit bureaus, I also never received any disclosure of my rights to dispute it.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

To start, I asked the mortgage company to remove the PMI from my escrow payment since I was below the 80 % limit. They seemed to have ignored my letter until I filed a complaint with this bureau. After I filed the complaint, they removed it and did a new escrow analysis that calculated that I was {$48.00} short and that it would be spread out into 12 payments of {$4.00} included in my payment. That same analysis also mentioned that if I paid the amount in a " lump sum prior to the effective payment date, your monthly payment will be reduced by the monthly shortage payment amount. '' I paid the shortage of {$48.00} on the XXXX of XXXX ; before the effective date of XXXX XXXX. However, both XXXX 's and XXXX 's statements still included the {$4.00} monthly escrow shortage amount. I called and asked about the discrepancy and was told that sending in an escrow payment " does not automatically trigger a new escrow analysis ''. She refused to straighten out the problem and simply offered to request a new escrow analysis. ( I did let her request the new analysis. )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I recently checked my credit and noticed I have XXXX outstanding medical bills in collection that do n't belong to me nor was i ever notified I owed anything. Came to a huge surprise after I checked my credit out.
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX 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 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

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: Student loan

I am making my monthly minimum payments to all of my loans but they are not being applied correctly. this is the 2nd month in a row. Navient claimed I hit the button that says " advance my payments '' but I could n't have since my loans are paid automatically through ACH. The minimum on XXXX loan is {$42.00} of the monthly {$360.00}. On my XXXX 2016 and XXXX 2016 auto-draft payments, only {$4.00} was applied to my $ XXXX monthly payment and the remaining {$37.00} applied to the other XXXX loans on my account. I have ordered them to re-allocate my monthly payment correctly. I believe they are intentionally under-paying the $ XXXX monthly loan because I have been aggressively paying extra payments on that one. I believe they are hoping I 'm not a vigilant payer in attempts to keep me in my loans longer and accrue more interest.
Product: Debt collection

On XX/XX/2018 I contacted National Recovery Agency by certified mail to inform them that they had listed some incorrect items on my credit report. 
They have missing information for my account number and they have the status as open, when that account is closed and has been for months. When I contacted them they did not respond. All of this is in violation of the Fair Credit Reporting Act. They are supposed report correct information on my report and they have violated several laws, including not responding to my letter within 30 days. If that were not enough, with no action taken I reached out to them again on XX/XX/2018 by certified mail. But to no avail, no response again. Enough is enough! Improper reporting, missing info and incorrect status of my account is severely damaging my credit. I also reached out to the 3 bureaus where it was listed incorrectly and XXXX  deleted that account. I have enclosed copies of receipts of the certified mail, letters of communication to National Recovery Agency and a copy of my XXXX  report where it was deleted. Also I am writing the Attorney General Office and the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be in error : These inquires was not authorized, Please remove this inaccurate information from my credit report XXXX ). XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX CARD SER Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. The following information is outdated. 
XXXX  XXXX XXXX Account Number : XXXX XXXX. The following account is not mine XXXX Account XXXX : XXXX XXXX. The following account is not mine XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. The following information is outdated. Remove from my credit report XXXX XXXX XXXX  Account Number : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report with the creditor who has posted them. 15 U.S.C 1681 section 602A. I have the right to privacy. 15 U.S.C 1681 Section 604A States Consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

The company has copied my previous complaint to them word for word a a response to my complaint. This is unacceptable and violations of my rights as a consumer. XXXX XXXX XXXX continues to harassed me and report negative reporting on my credit. I will be contacting the Attorney General Office if this issue is not resolve within 30 days.
Product: Debt collection

. They want to collect on a judgment from the year XXXX, and that is like over 14 years ago. The judgment from court had expired and it was never renewed by the creditor so the judgment is no longer collectable. The collector has failed to validate the debt and is trying to get me to pay on something they know i no longer legally owe. 

I have filed a previous complaint with CFPB ( XXXX ) and same debt was tried to be collected by another collector ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ) so it just seems they closed the file with XXXX collection company to make XXXX  happy and 2 days later they had asked another collector to holler at me. This is harassment at this point to try to collect XXXX debt. 

The court judgement statue of limitations on collection o f it expired XX/XX/XXXX, that's like several years ago, so this debt collector has no shame in trying to collect invalid debt and produces a judgment in the mailed letter that is expired and was never renewed so they know statues of limitations but choose to ignore them. shame on this debt collector nothing but games games games
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. 
XXXXXX/XX/XXXXXXXX XXXX : {$0.00} XXXXXX/XX/XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX Balanced {$3500.00} XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Balanced {$2600.00}
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. 

Please investigate and provide proof with statements showing that I authorized or consented to the inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 

Adjust accordingly if there is no inquiries or personal information to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold debt to XXXX XXXX/XXXX XXXX who was paid XX/XX/2018. XXXX XXXX is still reporting an outstanding balance which is impacting our attempt to obtain a mortgage. Equifax and XXXX will not update our credit report with the document we received matching the credit account in question showing there is no longer a balance. We attempted to outreach XXXX XXXX to obtain a letter as that is what the credit bureaus are requesting and XXXX XXXX refused to provide a letter or update the credit bureau information when speaking with them XX/XX/18. We have paid this debt, and find it extremely unfair they are reporting a past due balance. XXXX XXXX is claiming since they sold the debt, they are not obligated to update the information. However, that debt is paid so its technically NOT outstanding if they sold it, as selling it means they received a payment from the collector, and we paid the new debt owner. Therefore, all parties received money. I am not disputing the payment pattern that showed there are late payments with XXXX XXXX, solely that they are reporting an outstanding balance.