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

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( XXXX ). 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX, XXXX Employer - STUDENT Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX COLLECTION MANAGEMENT - 4153**** NCA - 87459** KIKOFF - CLTLFL**** NATCREADJ - 4546**** NATCREADJ - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than XXXX XXXX  ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

On XX/XX/2021, a debt collecting agency named Credence Resource Management , LLC filed a derogatory collection notice to all three credit bureaus on behalf of the originating creditor named XXXX XXXX. The debt collecting agency did not provide a formal notification to the consumer ( Formal Correspondence for notification of Debt ) in order to validate the debt and provide the consumer the opportunity to dispute the debt if it was deemed invalid. As a consumer, I had to do my own research by contacting the debt collecting agency and the original creditor regarding the debt. After a thorough research it was deemed through XXXX XXXX that I have NO current outstanding debt with the company ( Based on the telephonic conversation with the XXXX  Customer Service Representative on XXXX XX/XX/2021 at approx. XXXX XXXX. I believe this debt collecting company violated the Fair Debt Collecting Practices as governed by the FTC and in violation of the Fair Debt Collection Practices Act under 15 USC 1601 ( 805-808 ). I am requesting assistance to have this derogatory report to be removed from all credit reporting bureaus.
Product: Credit card or prepaid card

The Target Redcard ( credit ) fails to post payments in a reasonable time frame. 

Money already withdrawn from my checking XXXX weeks prior still has not been applied to the card. The most recent example is when I requested paying off the card online on XX/XX/XXXX. The money was then withdrawn from my checking on XX/XX/XXXX, unfortunately the card has not been updated as of XX/XX/XXXX I have called Targets RedCard customer service XXXX times in the past few months attempting to resolve this. 

Initially the problem, I was told, is making big payments at the end of the cycle will delay processing. Another call I made weeks after stated the opposite, to not have small payments throughout the cycle. 


A small note, after I pay with another card at Target ( due to lack of funds, since the payment has not posted ) and proceeding to customer service the representative states this issue is a common occurrence for customers.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to removethe listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., 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 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 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 or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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: Debt collection

To Whom It May Concern ; XXXX writing to follow up on your response to my complaint to Consumer Financial Protection Bureau about an account listed on my credit report. Acct # XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) you have to give me 30 days to request validation, referred to as the dunning period. In the document, you sent CFPB states you never received any of my letters. Since FDCPA only recognizes disputes in writing, I received my free credit report fromwww.annualcreditreport.com. This website is creditable and verifiable by Federal law. Are you insinuating that this website is not accurate? Ive attached a copy XXXXthat shows the letter I sent is the same address listed. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardi v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, not thereof any such debt, in fact, exists. 

The documentation you provided does NOT have my handwritten signature. It appears there is an electronic name typed on the signature line. You stated that the attached document contains a handwritten signature which is untrue. Are you asking that I pay a debt that somebody else is or was required to pay? Since I did not sign this loan agreement you're seeking to collect an alleged debt on I have NEVER agreed to share my information with any third party. ( page 13 out of 21 section authorization to communicate with a third person Does Not apply to me ). According to Fair Credit Reporting Act ( FCRA ), everything on my credit report must be accurate, verifiable, and reporting timely if not, that information must be removed or corrected from/on my credit report. 

You can not report information to one or more of the three major credit bureaus that will be violating my rights. For the record, I state again that I have no account with you, nor am I your customer, nor have I entered into a contract with you. Therefore, Im requesting this account be removed and deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have gotten numerous emails and phone calls from this company on XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XXXX. They also texted me on XX/XX/XXXX. Each time saying I owe a balance of XXXX. The company has said they will contact a lawyer for further action if I do not pay them. I have no contracts with this company or knowledge who this company is.
Product: Debt collection

I purchased a vehicle inXX/XX/XXXX and a part of the GAAP coverage was paying for auto insurance. The dealer offered XXXX for auto insurance coverage, and I paid for their services to start. 

After I discontinued with XXXX because I found a cheaper offer, I was charged additionally for another month. I had to argue with the bank to return the funds because the auto payment was not set up with my consent. 

The bank disagreed and the account was closed for proper payments schedule. I was informed to contact XXXX and have them repay the payment made. The bank was not able to remit the payment due to the charge being placed on my credit card. 

I have a collection services requiring onXX/XX/XXXX that I settle the amount 50 % of {$270.00}. I will not settle by paying {$130.00}. I am not trying to pay these charges. 

The bank did not pay me back and XXXX XXXX XXXX took payments from me fraudulently in the month ofXX/XX/XXXX. I wish to request a repayment of my funds and to accurately change my debt and debt owed to my financial reporting agencies and credit reporting agencies so that I can improve my credit score ratings. The balance of {$270.00} needs to be returned to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amsher Collection SE broken all laws that follows including 20 USC 1232g ( b ). 15 U.S. Code 1681 ( a ) ( b ) ; 15 U.S. Code 1681b ; P.L 90-321 ( 82 Stat. 146 ) ; 15 U.S. Code 1681c ; 12 CFR 1022.3 and 15 U.S. Code 1681n. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with me or any transactions I've done or authorized to gain products, services, or money. 

Please remove the following : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX
Product: Debt collection

I requested a letter, which the collector refused to do. I reluctantly agree to correspond via email. I also asked that they not call me due to severe anxiety at which point he mocked me. Then did not send the email when he said he would. I had to leave a voicemail for the collector to remind him to send it on Friday XX/XX/22. 
I received a call from the collector on XX/XX/22, After I requested to not be contacted by phone. The collector tried to say I called him which was not the case and I have proof otherwise. The collector then tried to pressure me into scheduling a payment at which point I told him I wasnt comfortable doing. I told him that I asked him not to call back to reach me via email as we agreed. He said he would just continue to call if I did not schedule the payment today.
Product: Debt collection

XXXX XXXX is the collection company. But the original owner is Synovus Bank. I told them my daughter father and his girlfriend open credit cards in my name. Because we broke up, this is not my debt, I ask for the original signature, and were did the person use the credit card, they just said its mine. I ask for a statement and everything.
Product: Mortgage

I recently sold a house that was under mortgage with Wells Fargo. At the time of the sale, my remaining mortgage was approximately $ XXXX from an original loan balance of $ XXXX ( 65 % XXXX ). Despite the fact that my mortgage had fallen below the value of 78 % XXXX Wells Fargo continued to charge XXXX XXXX  XXXX up to and through the date of the sale of the property. Wells Fargo had sent us multiple documents identifying the approximate value of our property with the most recent one showing a value over $ XXXX. 

Wells Fargo has sent me letters throughout the multiple years that I have had my mortage through them informing me that our PMI was subject to cancellation once the value had reached 80 % ( by request -- which we had done and were denied ) or automatically at 78 % ( which was never completed by Wells Fargo ). 

Due to Wells Fargo 's lack of consistent controls I have experienced potential financial harm as payments were continually applied to PMI that should have gone towards principle and that would have reduced the total amount of interest that the bank collected over the course of my loan. 

PMI is generally applied to lower income families as a method to protect the bank from financial harm upon default by a borrower. The lack of Wells Fargo detective and preventative controls may be causing harm to a large quantity of consumers, many of which may experience financial hardship as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, has violated my rights. 
XXXX XXXX ACCOUNT- XXXX XXXX XXXX XXXX XXXX ACCOUNT-XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Four years ago I entered into a forbearance for my HSBC mortgage. Worst thing I could have done. I was unemployed and it did a job on my credit. I pay {$1000.00} per month. Only XXXX dollars goes to principal. In 8 years I pad off less than XXXX. dollars. Now finally on my feet financially and they charge me XXXX prepayment penalty plus {$750.00} PMI for a close out. How can they charge me {$750.00} for PMI on a close out. That makes my close out XXXX which is more than my original mortgage in 2007. Something is wrong here.
Product: Credit reporting or other personal consumer reports

Lexis nexis has not sent my report as requested by phone XXXX weeks ago. I need my report because I am a victim of IDENTITY THEFT.
Product: Debt collection

I am writing to formally lodge a complaint against I C System Inc, a debt collection agency, for their unjust and unethical practices in attempting to collect a debt that has not been properly verified and is beyond the statute of limitations. I am deeply concerned about their approach, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. 
I recently received communication from I C System Inc. in the form of an invoice and a copy of a phone bill, both of which are being used as evidence to support their claim for debt repayment. However, I find their approach inadequate and problematic for the following reasons : 1. Failure to Verify Debt : According to the FDCPA, debt collectors are required to provide validation of a debt upon request. I have made an official request for debt verification, and all I received in response was a copy of a phone bill and an invoice to pay. This does not constitute sufficient verification of the debt 's legitimacy and accuracy. 
2. Expired Statute of Limitations : The debt in question is beyond the statute of limitations, which means that the legal timeframe for pursuing collection actions has expired. Despite this, I C System Inc, is attempting to collect the debt, which raises concerns about their adherence to legal guidelines and ethical standards. 
3. Insufficient Documentation : A mere copy of a phone bill and an invoice does not provide the necessary documentation to prove the validity of the debt. Without detailed information and proper validation, it is impossible for me to assess the accuracy of their claim. 
4. Furnished the written validation notice within the required time period and otherwise complied with applicable validation requirements ( 15 U.S.C. 1692g 5. Company has no Contract between XXXX XXXX and I C System Inc I kindly request that the Department of Financial Protection and Innovation thoroughly investigates this matter and takes appropriate action against XXXX XXXX XXXX if they are found to be in violation of consumer protection laws. I believe their actions not only undermine my rights as a consumer but also contribute to the erosion of trust in the debt collection industry as a whole. 
I am attaching copies of all relevant correspondence from I C System Inc, as well as any communication I have had with them. I appreciate your attention to this matter and your commitment to safeguarding consumer rights. 
Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. I look forward to a swift resolution to this issue and the restoration of my rights as a consumer. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Product: Mortgage

I have submitted multiple emails to PHH Mortgage services regarding my account modification offer but I have not received a response. The emails were sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( See attached documents ) It is absolutely critical that I receive responses in a timely manner to avoid any potential of foreclosure. I have had previous issues with the communication and misinformation provided by PHH Mortgage Services. ( Complaint ID XXXX ) I was required to reapply for a loan modification due their errors in communication. I have requested numerous times that PHH Mortgage Services respond to my inquiries via the email on file ... which is XXXX My account was billed a BPO cost and NC FC Prev Fee without my approval. I would like to have these fees refunded back to my account. They posted to my account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Also, I do not have access to my account online as it has been blocked by PHH Mortgage Services. ( See screen shot )
Product: Credit reporting or other personal consumer reports

Recently, I learned of the lawsuit filed against XXXX by the CFPB. Given the serious nature of the allegations and the investigation surrounding their practices, I respectfully request your assistance in addressing my ongoing issues with this credit bureau.

To reiterate, I am requesting that XXXX, Experian and XXXX XXXX remove all negative accounts that are not accurate or for which I have not provided permission for reporting. My hope is that the actions taken by the CFPB will create a more favorable outcome for consumers like myself who have faced difficulties due to inaccurate credit reporting.

Despite submitting my complaint and providing evidence that substantiated my claims, XXXX and XXXX XXXX has failed to correct the erroneous information on my credit report. Moreover, they added some new information without my consent, which I believe is a violation of my rights I appreciate your attention to this matter and look forward to your response. Please let me know if any additional information or documentation is required to expedite the review of my case.

Thank you for your continued commitment to protecting consumers.
Product: Credit card

I just received a new Mastercard an XXXX XXXX XXXX XXXX card. I have called now 6 times to have the issue fixed and it has still not been resolved, I am currently on hold with them for a 7th call to fix this issue. I purchased a new truck and used the card as part of a down payment which was declined multiple times after calling XXXX to make sure it went through, after my third phone call I stayed on the phone to make sure it went through even though I told them exactly where I was and what I was doing previously and the amount. I tried to make a purchase last night XX/XX/year> with the card and it was also declined. I tried to make a purchase today XX/XX/year> to pay for my insurance coverage on my new truck and that was also declined and this was after I just talked to customer service on XX/XX/year>. At this point I feel that this has been done on purpose and with malicious intent so I cancel the card before I receive my rewards points. I have now wasted hours of my life trying to use a card I was issued. While just waiting on hold now on XX/XX/year> for XXXX minutes the phone randomly hung up instead of transferring.