23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CREDENCE RESOURCE MANAGE Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX {$370.00} XXXX updated XX/XX/XXXX Reason : Not this account is not validated. Unverifiable account/ Incompleteness/ not verified and this account XXXX reporting illegal information that is not FCRA or FDCPA 15 usc 1692c , 15 usc 1692g ( b ), 15 usc 1681i ( a ) ( e ) Action : REMOVE and update payment history immediately. ( 15 usc 6801 ) Protection of nonpublic personal information ( a ) Privacy obligation policy, and ( b ) Financial institution safeguards According to XXXX XXXX XXXX XXXX, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), 15 usc 1666. Delete ACCOUNT from report, due to unverifiable/ and lack information. Fair Credit Billing Act ( FCBA ) Purpose : To protect consumers from unfair billing practices and to provide a mechanism for addressing billing errors.

Key Provisions : Consumers can dispute billing errors on their credit card accounts and withhold payment on damaged goods or services purchased with a credit card.

Equal Credit Opportunity Act ( ECOA ) Purpose : To prevent discrimination in credit transactions. 
Key Provisions : Creditors can not discriminate against applicants based on race, color, religion, national origin, sex, marital status, age, or because they receive public assistance.

Fair Credit Reporting Act ( FCRA ) Purpose : To ensure the accuracy, fairness, and privacy of consumer information contained in the files of credit reporting agencies.

Key Provisions : Consumers have the right to access their credit reports, dispute inaccurate information, and have erroneous data corrected.

Section 611 ( a ) ( 5 ) ( B ) ( i ) : Certification of Accuracy of Information.

15 U.S.C. 1681e ( b ) : Compliance Procedures.

15 U.S.C. 1681i ( 5 ) : Reinvestigations of Disputed Information.

15 U.S.C. 1681b ( 2 ) and 15 U.S.C. 1681s-2 ( F ) ( I ) : Unauthorized Reporting.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( 4 ) ( 5 ) ( I ) ( ii ) : Dispute Resolution.

15 U.S.C. 1681n : Civil Liability for Willful Noncompliance.

15 U.S.C. 1681 Section 602 : Right to Privacy.

15 U.S.C. 1681 Section 604 ( a ) Section 2 : Unauthorized Furnishing of Accounts.

15 U.S.C. 1666B ( a ) section ( b ) and 15 U.S.C. 1637a ( a ) : Incorrect Treatment of Late Payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a account with my information they closed the account but still reporting on my credit report that I got 90 days missed payments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to furnish an unauthorized inquiry on my credit report dated XX/XX/2018.
Product: Debt collection

RentDebt is Reporting a debt that I dont owe. I sent a Debt verification letter to rentdebt asking them to verify this debt. Rentdebt sent my a signed lease. That doesnt justify I owe them anything. Rentdebt is Reporting to all 3 credit bureaus that I owe them {$2100.00}.

I sent a debt verification letter to XXXX, XXXX  and XXXX. All 3 Credit bureaus came back verified. 

I went to XXXX XXXX XXXX XXXX XXXX complex to see why I owe them {$2100.00}. They informed me that they didnt have any information about me owing them anything. 

Rentdebt has not properly verified this Debt of {$2100.00} but continues to report to all 3 Credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed the repossession on my account through TransUnion and it came back that it was accurate but I have paperwork that shows that the balance is {$0.00} and the account was cleared off XXXX XXXXXXXX XXXX credit and she was the primary account holder so it should be cleared off my credit!
Product: Debt collection

Received notice via mail in XXXXXXXX XXXX. Due date for debt was XX/XX/XXXX. I made payment on XX/XX/XXXX in the total amount of the debt, system processed it twice due to me hitting refresh. I contacted them via phone on XX/XX/XXXX, spoke to my collections agent, XXXX XXXX. Notified her of the double payment, she notified me that the refund was already processed and should be in my bank account within a normal refund processing period. 

I waited until XX/XX/XXXX to receive the refund. It was not refunded and in my bank account so I contacted the agent again to ask on the status of my refund. She said she would need to speak to accounting and that she would return my call as soon as she had an update from accounting. I sent an email with a screenshot from my bank account statement showing the double payment. 

As of writing this on XX/XX/XXXX, I have yet to receive a refund or a call back from the collections agency with an update on the status of my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iv been Trying to fix my Credit report for XXXX  years with little to no results. According to the 15 U.S.C 1681 Law there should be no damages on my report, its a defamation to my Character. On XX/XX/XXXX threw XX/XX/XXXX. I opened a dispute on XXXX Report number XXXX and nothing was done. The results were done on XX/XX/XXXX. I'm also a victim of identity theft according to XXXX 0n XX/XX/XXXX. They offered no Remedy for that reporting. I'm also a victim of XXXX Data breach and was offered no Remedy. I'm trying to get a simple loan and continuously get denied. Out of all disputes not once was I giving proof of me doing business or signing a contract with these company 's.
Product: Credit card or prepaid card

I reached out to Lowes and found out that my credit card account had been closed. After speaking with a representative I was advised that my account had been closed because of the last payment wasn't processed. Ultimately because there was a past payment that also didn't process the most recent payment that didn't process caused for the account to close.

I reached out to Lowes Credit Card services and i was told to send a fax to the payment processing department from the bank proving it was a bank error and my account would be reopened. After doing as instructed i called several times and Lowes stated they will not reopen my card even through its bank error and it states that in there terms and conditions of the card.

i confirmed that my bank did not process my payment and I went to the bank to find out why the bank stated they actually didn't know why my payment didn't process and wrote a letter to Lowes on my behalf stating that the funds were available and the transaction should of cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I am highly disappointed in this Bureau! I have sent several letters to them about several accounts on my report that were deleted and re-added for instance account XXXX and XXXX these are the same account that were delated from the original creditor XXXX XXXX because they were disputed. I asked them to verify this account with the original creditor and they couldn't so it was deleted. However it was readded to my credit report under XXXX and another name. As a consumer I have the right to a credit report that is 100 % accurate. What makes matter worse is that the bureaus isn't supplying me any information on the dispute process. I have sent several letters and have gotten no responses from this Bureau. This isn't the only account that this has happened with ; there was another, account Account number XXXX creditor XXXX XXXX XXXX  which I disputed this account with the Bureau back in XXXX resulting in, apparently a deletion which I also didn't receive a letter about, this was deleted due to them not being able to verify the account and then a month later was readded under account number XXXX and XXXX. I will be including copies of my credit report from XXXX and my most Recent credit report here in XXXX. However the Bureaus have a responsibility to make sure all information is accurate and correct before entering it into my credit report! This didn't happen. I am writing this complaint because I am expecting them to correct not only these two files but all the others on my credit report!
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. I asked again to fix the inaccuracies on XX/XX/XXXX, and you still failed to fix the inaccuracies. So, now after asking you to fix the inaccurate and fraudulent data on my credit report 3 times, it is still showing up inaccurately. On XX/XX/XXXX I pointed out that you are showing that this account was charged off every single month from XX/XX/XXXX to XX/XX/XXXX. Then on XX/XX/XXXX I pointed out that this account was settled and paid in XXXX of XXXX, so you definately shouldn't be showing CO in XXXX. The other credit bureaus don't. 

I would like you to correct the inaccuracies on this account, especially since I showed you proof that this account was paid in settled in XX/XX/XXXX, yet you still show charged off in XXXX. Obviously that is impossible. If you can't fix this, then you need to delete this account. This is highly injurious to my credit, it undermines the faith in the credit reporting system, is illegal, and against the FCRA statutes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Product: Credit reporting

XXXX RECORDER OF DEEDS Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX No phone number available Identification Number : XXXX Address Identification Number : XXXX Status : State tax lien filed. 
Status Details : This item remained unchanged from our processing of your dispute in XXXX XXXX. 


Date Filed : XXXX/XXXX/XXXX Date Resolved : NA Responsibility : Individual Claim Amount : {$2900.00} Liability Amount : NA The above action was posted to my personal history in error because this was a payroll action done under the auspices of a corporation and should have never been posted to my personal credit history Moreover XXXX kept the funds for the employee taxes and never submitted the funds to the State of Illinois. I filed a complaint against XXXX XXXX for this and the issue was never resolved. Also, the correct date was XXXX XXXX and not XXXX Nevertheless, the corporation XXXX XXXX should be held liable for the taxes. Pursuant of the Fair Credit Reporting Act and Federal Corporations Act this items should be deleted from my personal credit file immediately.
Product: Mortgage

In XX/XX/2020, I was advised I qualify for a refinance my loan. I spoke with XXXX XXXX and he went over the numbers with me. He advised me that I would need to pay for my own appraisal which I was like hmmm only if I am approved he advised I was and it was ok. He also advised that I can put the amount on my credit card basically and pay it back because once it goes through I wont have a mortgage payment for 45 days. I then took his advise. My loan went on through the process and the processer then advised me that because of my student loans I did not qualify. She then advised me that she will submit the request for a refund. I called her back the next week and she then said she would again submit the request to her manager. I called her the following week no answer and I spoke with someone and they advise they will transfer me and still no answer. I emailed her and she block my email from getting though. Please help with this issue.
Product: Mortgage

In XXXX after having deferred my mortgage during XXXX, my mortgage company sold my mortgage to XXXX XXXX. I was initially told when I deferred payments, that they would go to the end of the loan term and I would resume the regular monthly payments once the deferment period was over. When this happened, the mortgage company wanted everything that had been deferred up front, which is why the mortgage went to XXXX. There I have dealt with XXXX XXXX, who set me up on a payment plan to make payments towards the balance owed and continue to pay the monthly mortgage due. He told me that I would continue to get overdue notices because technically it is overdue, but to ignore those and continue to make the agreed upon monthly payments, which I have, without missing a payment since. Just this past Saturday XX/XX/XXXX, I received a letter in the mail from SNServicing attorney, stating that I {$11000.00} within the next XXXX  days in order to bring my account to current, otherwise the foreclosure process will begin. This is the first communication stating this. It also states that they will not accept any payment other than the {$11000.00}. My XXXX payment, had not yet posted. Again, I have not missed a payment and have continuously paid the agreed upon amount each month. XXXX not sure why this is happening. They have also taken away my online access to view and pay on my account. I should not be dealing with any of this, and my mortgage should be current, based on the information that I was given when I originally deferred payments during the world wide pandemic. I need help and I need to get this rectified as soon as possible so as to not lose my home and have my XXXX XXXX affected any further. I am also currently unemployed and under a non-compete and have been for the past XXXX  months. I have very limited income, but have still continued to make the agreed upon monthly payments.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equiafax, XXXX, and XXXX XXXX, for their failure to remove inaccurate accounts from my credit report, which ia a direct violation of the Fair Credit Reporting Act ( FCRA ) Despite providing the necessary documentation to prove the inaccuracies. All three Credit Bureau has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30 day period 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) any information found to be inaccurate, incomplete, or unverifiable must be promptlv deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX XXXX  Late Payments, 15 U.S.C.1666b, 15 U.S.C.1637 ( b ) 15 U.S.C.16815-2 15 U.S.C.1681i XXXX XXXX Child Support, 15 U.S.C.1681i 15 U.S.C.16815-2 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

I have XXXX things in collection, Delete Collections 12 CFR 1006.34C 12 CFR 1006.6C 15 USC 1681s-2 ( A )
Product: Debt collection

I have been communicating with CSC for about four months now. The debt is from the hospital that my XXXX child was born at, it started as a {$5000.00} debt and we paid about {$2300.00} of it before a change of jobs made it hard for us to finish the payments. There was also a {$200.00} debt that I was never notified about going to collections. A few months back we negotiated a payoff amount of {$1900.00} for the XXXX Hospital debt and we submitted a request for negotiation to the other {$200.00} debt. I sent CSC a check for the {$1900.00} and believed I would hear from them within a week or XXXX about the other debt. My check was never deposited and I did n't hear from them for two months. I finally called them and they said they would n't deposit that check because we were waiting to hear from the {$200.00} debt. Another few weeks passed before I heard from them again, I spoke with XXXX on XX/XX/XXXX at XXXX and she stated that my payoff amount for XXXX Hospital was now {$1000.00} and the other amount was {$220.00}. 

At this time I provided a credit card number and authorization for a charge of {$1200.00}, it was processed immediately and taken out of my checking account. XXXX verified two different times on a recorded phone call that our account was now paid in full and our balance was {$0.00}. Later that evening I checked my bank account and found that the {$1000.00} amount of the charge was being put back onto my card and they were only charging the {$220.00} amount. This morning I woke up to find they had deposited that old check for the {$1900.00} amount. I believe they have violated the FDCPA by misrepresenting the amount I owed on the debt and I would like to know what recourse I can take, if any? Thank you.
Product: Mortgage

Shortly after receiving a " new loan servicer '' letter indicating that XXXX XXXX XXXX XXXX had purchased the paper on my loan, I received the first statement indicating the first payment for loan number XXXX was due on XX/XX/18 in the amount of {$1500.00} ( see attachment " 1st Stmnt '' ). 

In an effort to make the aforementioned payment, and all subsequent payments, online via ACH, I attempted to create an online account with XXXX. However, I was unable to create an online account as the website prompted an error message stating that the account number provided was not valid. I called XXXX XXXX customer service at XXXX to help with account creation problem. The customer service agent told me that a paper check was required on the initial payment and a new account number would be assigned to me granting online access after the paper check submission. I mailed a paper check on XX/XX/18 that cleared my bank on XX/XX/18 ( see attached " cleared check ''. 

On XX/XX/18, I received a statement for XX/XX/18 with a different account number. The statement did not reflect my previous payment 's application towards the principal balance ( see attachment " XXXX Stmnt '' ). 

I have made seven ( 7 ) phone calls to XXXX 's customer service department since XXXX ( 42 days ) and emailed all the information XXXX requested ( copies of statements, cleared checks, etc. ) in an effort to have my payment applied to my loan balances. Every phone conversation ends with the agent stating someone will contact me back by days end and they will have a resolution with-in two weeks. Neither of the two have happened. 

Out of fear that I am being scammed out of payments, I want to pay the loan off in completion cutting ties with XXXX XXXX XXXX ; but I can not pay the loan off as I can not get an accurate final balance figure from XXXX that reflects all my payments. I hope this is not common practice for XXXX and happening to others on a larger scale as this should be a simple accounting journal entry fix but XXXX continually leaves me in the dark with no resolution.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the alleged debt associated with account [ XXXX ] currently being pursued by your agency. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I Demand that all communication regarding this debt Cease immediately. 

It has come to my attention that your agency has been attempting to collect a debt from me, which I unequivocally dispute. Your continued efforts to contact me regarding this matter are in direct violation of federal law. 

Furthermore, According to 15 USC 1692g, I have the right to request validation of this debt. Therefore, I demand that you provide me with complete and accurate documentation verifying the validity of this alleged debt, including but not limited to : 1. Original creditor information. 
2. Detailed account statements. 
3. Any signed agreements or contracts.

4. Proof of the amount and nature of the debt. 
5. Verification of your authority to collect this debt. 

Failure to provide this validation within thirty ( 30 ) days from the date of this letter will be considered a violation of the FDCPA, and I will pursue all available legal remedies against your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECONDLY IVE NEVER OWNED AN ACCOUNT WITH THE ACCOUNT # STATED ABOVE AND ON MY REPORTS. NOT MY ACCOUNT.