23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter certified mail receipt return to Credence Resource Management after receiving my credit report. They are reporting I owe for a debt that I have no knowledge of. I never received any mail from Credence prior to reporting this information on my credit report. After thoroughly investigating, I found Credence not to have a license to collect debt in the State of  Tennessee. I found this information on The Tennessee Department of Commerce & Insurance and spoke with a representative with the State of Tennessee who confirmed the information was correct and accurate. I took a screen shot and included it in the letter I sent certified mail receipt return to Credence. I informed them that they are illegally trying to collect on a debt in the State of Tennessee because they are not licensed in the state. I asked them to immediately remove the item from my credit report and cease attempting to collect on the debt. 

Credence response was the creditor verified that the charges on the account was valid without providing validity of the debt. They failed to address the fact that they are not licensed in the State of  Tennessee and they continue to report the unverified information on my credit report. It is damaging and a defamation of character. I informed them in my initial letter that I would file a complaint with the CFPB, the Attorney General 's Office, and the XXXX depending on their response and the outcome.
Product: Debt collection

My daughter was billed for services XXXX XXXX XXXX XXXX XXXX called and the insurance company covered. Then I recieved collections from the hudson valley XXXX XXXX in my daughters name and a seperste communication in my name for the same medical bill that was paid already. 

I told them to cease communication and the bill is invalid. 

I verified with the hospital that no bill is due. 

They are disrespectful and feel.like they can't be held accountable for their actions. 

They have illegal.practices amd cause undue stress to families.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I XXXX XXXX XXXX, Discovered on my Equifax account /report that they have an address of XXXX XXXX  XXXX XXXX With the year XXXX. This is listed under contact information. Under disputes theres no way for me to even dispute it and it doesnt allow me too via online. I shouldnt have to make any phone calls or send anything through the mail. I have an online account for a reason. Attached is a screen shot showing this on equifax. XXXX XXXX  XXXX XXXX went into foreclosure in XXXX. On the website XXXX theres public information in regards to the purchasing/deed in XX/XX/XXXX and the foreclosure in XXXX. Screen shots of that is attached to this complaint. I want to know exactly where they got the year XXXX, if public records prove the years XXXX and XXXX. Who told you or provided the documents and where are you getting XXXX from? If its on another consumer report such as XXXX XXXX that equifax owns, thats a major problem considering they are supposed to be pulling from public records by law
Product: Credit card or prepaid card

We booked a XXXX XXXX on XX/XX/XXXX. The first payment charged on that same date, was {$3100.00}. 
Additional monthly charges were : XX/XX/XXXX {$1300.00}. 
XX/XX/XXXX {$1300.00}. 
XX/XX/XXXX {$1300.00}. totaling {$7200.00}. 
We cancelled due to coronavirus on XX/XX/XXXX. XXXX issued a refund minus a {$200.00} administration fee.that date.They told us it may take up to 90 days for the refund to post. totalling {$7000.00}. We waited patiently for 90 days. No refund. After the 90 day mark XXXX I contacted my Credit card company, Barclays Bank XXXX I mailed all supporting documents, [ required after a 90 day window. ] I then waited. 
On XX/XX/XXXX I received 2 letters from them. One stated a dispute was being investigated for {$3100.00}, Case # XXXX .the other for $ XXXXCase # XXXX. I then tried to get in touch with them about my other 2 charges. The dispute office is closed on the weekends.

After a few more attempts, I was able to get thru. A customer service agent told me the other 2 charges weren't being disputed, because I didn't break down the charges by month on my cover letter. I argued, that in my cover letter, I gave the total amount due, explaining the breakdown was in my supporting documents. Only then, did they open up disputes for the other 2 payments.Case # XXXX and # XXXX. These letters were dated XX/XX/XXXX. I have called numerous times about this issue. on : XX/XX/XXXX [ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX On Each of these phone calls, I asked to speak to a manager. I was told a mgr will call me back. To date, I received no calls from a mgr. Usually, In dispute cases, They credit the amount immediately. they have not done this. We are at the 40 day mark, and I feel I am getting the runaround! 


p.s. I have received one credit on XX/XX/XXXX for {$1300.00}.
Product: Checking or savings account

I was unsuccessful in receiving proper attention to three fraudulent activities on my Chime account. Attached you will find my replies to them as well as their reasons to why they do not believe me. I truly think they are absurd and really did not look into the activities that was ran within the time frame. I was told from an associate that my card information was ran and denied over 10 times until this person was successfully using my information.
Product: Student loan

Hey CFPB, I currently have my refinanced XXXX XXXX with a company called XXXX XXXX, and have been with them for about 4 years now. The interest on my loan is assessed daily, which is fine, but XXXX does not process scheduled payments daily. Whether it is a reoccurring payment or selecting the earliest payment date for a one-time payment, XXXX will leave my payment in pending status for at least 2-3 days every time and continue to accrue interest, which is about {$25.00} per day for me now ; it was more previously when my balance was higher. I do not think XXXX is engaging in fair practices and they definitely did not accurately disclose that this was how they process payments when I refinanced with them. XXXX should not be allowed to continue to accrue interest on my loan and any others just because they leave payments in pending statuses for extended times. If they can not process on the date that they offer as the earliest available or scheduled date, then they should not leave them as an option. Currently I have a payment scheduled forXX/XX/XXXXthat still has not been posted to my account, today isXX/XX/XXXXXX/XX/XXXX( a Sunday ) so now it will be a minimum of 4 days before I receive credit for a one-time payment that XXXX can not deliver on. 

Can you please look into this? 

Thank you.
Product: Mortgage

In XXXX of 2023 Mr. Cooper assumed my mortgage loan. when they did so the escrow account was transferred from XXXX XXXX XXXX. The insurance was never paid on my home during the transition and now i am unable to reach a single person to try to sort this out. there is no documentation as to where the insurance money went. I have reached out numerous times and only get to a recording and eventually told by the recording to try again later. Meanwhile my home does not have insurance.
Product: Mortgage

We applied for a loan for a Primary Residence Condo in Florida asking for 10 % down and were advised on a recorded phone call by XXXX XXXX on XX/XX/XXXX2021 that this was doable as long as the condo came back as a type A property and not a type B property, which would be 25 %. On XXXX a loan estimate for 10 % down was generated and sent to us and we rate locked and signed. Later he advised if we wanted to meet our closing date he was still uncertain whether it was a type B or A and he would need to start the paperwork with a 25 % estimate until he received a response from his back office stating A or B type. On XX/XX/XXXX an e-mail was sent by XXXX stating it was type A. We kept submitting paperwork requested and near the end, 5 days before the closing, a new loan estimate was generated with more points than we had agreed to and still at 25 % down. We asked to have the rate lock honored and eventually a supervisor adjusted this but told us the 25 % down is the best Rocket Mortgage can do in the state of Florida on a condo and that type A would be 25 % down, type B would be unavailable for a loan. We were basically 'bait and switched ' after we had paid for the appraisal and had our credit scores pulled. I do not know if this is illegal but it certainly is near fraud like behavior to me. To have them request all my personal documents, and ding my credit score on a lie that they would provide a loan at 10 % down and then later on say that was never actually on option is 'truth in advertising ' violation on the initial request as we specified Florida condo and 10 % down, or sale 'bait and switch ' fraud as the salesman knew our intention and strung us along only to change the rules later on. As a result of this lie we are out of time on our purchase contract. The seller had a higher contingency offer so we will most likely lose our deposit, the property and we even already paid them XXXX for an appraisal. If we had known 10 % was unavailable we would have gone with XXXX XXXX, whom we had already started the process but would take 45 days instead of the 30 days we needed and the reason we went with Quicken Loans.
Product: Credit reporting or other personal consumer reports

I have items in my report that are not mine. 
CKS Prime Investments XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ERC recently sent a bill from 8 years ago on behalf of XXXX XXXX XXXX. This bill was issued in California and by California Statute of Limitations, all debt after 4 years is null and void. I explained this to ERC and sent them documentation, yet I am being still being sent letters. I am writing to enforce the FAIR DEBT COLLECTION ENFORCEMENT ACT as well as ask that this collection agency be reported for misleading the public. This debt is not valid in the State of California as it is past the Statute of Limitations.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate and Unverified Information Dear TransUnion Dispute Department, I am writing to formally dispute several inaccuracies and unverified information reported on my credit file. These accounts contain errors that violate provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below are the details of the disputed items : XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  {$400.00} 15 SC 1692c.

The collection agency has failed to validate this debt per 15 USC 1692c. I request the removal of this incorrect information from my credit report immediately. I am wondering how your bureau were able to validate and verify this information. 
XXXX. 
XXXX  XXXX {$0.00} 15 USC 1666B. 
Inaccurate Late Payment This account was inaccurately reported as past due in XX/XX/XXXX. My TransUnion report shows that it was past due only in XX/XX/XXXX. However, this auto loan has been fully paid, and there was never any delinquency. I request that this account be updated to reflect " Paid, Never Late '' status, as per 15 USC 1666B. 
XXXX. 
XXXX XXXX  {$220.00} - Incorrect Late Payment 15. US Code 1666b This account was paid on XX/XX/XXXX, as evidenced by the attached bank statement showing a {$25.00} payment. It is inaccurate and unjustified for this account to show as a late payment. Please update this account to reflect " Paid, Never Late '' status. 
XXXX. 
XXXX XXXX XXXX {$200.00} Open Date XX/XX/XXXX 15 US CODE 1692g This account was never properly verified. A complaint has been filed with the CFPB, which referred the matter to the OCC. XXXX XXXX has failed to provide sufficient information regarding this account. As a result, I request that this account be deleted from my credit file due to the lack of verification. 15 US CODE 1635 5. 
XXXXXXXX XXXX XXXX - Fraudulent Account XXXX {$31.00} 15 U.S. Code 1681 I was advised by XXXX XXXX XXXX XXXX that this is a savings account with overdraft, but I have never opened a savings account with this company or conducted any business with them. This account is fraudulent and must be removed from my credit report immediately. 
I have attached relevant documentation, including bank statements and correspondence, to support my dispute. Under the FCRA, you are required to investigate and correct any inaccurate or unverifiable information on my credit report within 30 days. Please send me written confirmation once these issues have been resolved. 
Thank you for your cooperation. 
Sincerely,
Product: Debt collection

The collection agency is Credence Resource Management aka Credence XXXX. They have aXXXX XXXX bill from when I was at a company conference earlier this year. Because I had not yet completed my deductible for the year, I initially owed about {$950.00} on this debt. Because I was sick for much of the beginning of the year XXXX I was not able to pay this bill in full to the original creditor, XXXX XXXX XXXX. The only payment options I was offered by the original creditor was the balance over 12 months, which I could not afford. 
The account was placed into collections on XXXX/XXXX/15 with Credence. Everytime I go online or call in, my balance has gone up again. I initially called them on XXXX/XXXX/15. They did not check to make sure I was the right person and only told me they were debt collectors after we had spoken for quite a while. That day I went online and made a payment for {$10.00}. 
I called in again today to make another payment and I spoke with XXXX XXXX XXXX or XXXX? ) and he was unable to answer questions about the account, the interest rate and the collection fees so he put a manager on the phone, XXXX XXXX. XXXX states that Credence RM is charging 6 % interest per annum on my account, however in the just 24 days they have had the account, the balance has increased by {$28.00}. On top of this they charge a {$5.00} processing fee for online payments or debit card payments. I noticed that 6 % per year should only be $ XXXX/year on a balance of {$950.00}. I asked manager XXXX XXXX about this, he said it was so much because the annual interest accrues daily. I asked him if this is not different than 6 % per annum he stated and he said I need to talk to their attorney, XXXX XXXX, in their " concern '' department which they also call their legal department. He repeatedly stated only the attorney could explain the math to me. Then XXXX offered me, for today only, that I could pay the original balance of {$950.00} ( guess I would just lose the payment I already made ) today and he would not charge me the interest that has accrued so far. I explained to him that I have been sick since the beginning of the year and just do n't have that much available. 
While I was on the phone with the XXXX the manager, I tried to locate the attorney XXXX XXXX through XXXX and my state bar association, but was unable to locate any attorney by that name. XXXX spelled the name for me after I insisted several times. I asked the manager XXXX what state the attorney is licensed in as I was unable to locate any contact information for him. He then admitted XXXX XXXX is not really an attorney, just a staff member in a different department. 
The collection agency is willing to let me make small payments but they ( NOT the original creditor ) are charging me interest on this medical bill, at a high enough rate that will mean I will never pay this off, only watch the interest grow and balance get larger while I pay the collection agency to collect my account and pay convenience fees for the " pleasure '' of that collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked on my credit report and saw there's a bankruptcy being reported without my consent. I have a right to privacy. This unauthorized reporting has caused me financial damage and great stress! I was recently denied approval of a HELOC due to this intrusive reporting! 

XXXX  XXXX Bankruptcy Case Number : XXXX Experian is also in violation of 15 USC 1681 ( a ) ( 4 ). A consumer reporting agency can not furnish any information on my consumer report without my written instruction. I am fully aware that the courts do not report to any consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, has violated my rights. 
XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, my Lendmark Financial Account was settled for a little over {$6000.00} and was to show as settled on my credit reports. The loan that was opened XX/XX/XXXX was to be closed and merged with the loan fromXX/XX/XXXX  to be one loan. They are showing as 2 negative marks on my credit with one showing a last payment ofXX/XX/XXXX which is incorrect.
Product: Debt collection

On my XXXX credit report I have CCS Collections ( collection agency, XXXX XXXX XXXX, XXXX, MA XXXX XXXX ) trying to collect unpaid {$91.00} for XXXX XXXX. I have contacted CCS Collections and tried to inform them that this is not my debt. It is for someone that apparently has my same name and lives at XXXX XXXX XXXX Apartment # XXXX in XXXX XXXX California. The debt I believe is for residential insurance. The agency stated that I had to prove that I was not the owner, however, did not give me means to do this. I contacted the property manager and she stated she would try to contact resident, but she never communicated back with me. I have also tried to contact XXXX XXXX, however, since I do not have account number they offered me no help. This has been on my credit report for over a year. Can you help correct this. I can provide driver 's license, utility bills, mortgage statement, etc. to CFPB as proof of residence. I have never lived in XXXX XXXX or had any business ( ( account, insurance, etc. ) with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/year>XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent nor authorize any person nor company to benefit from my credit. The account listed below is a result of identity theft. 

Account name Account number XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account from XXXX as a charge off on my credit report. The date of last activity is incorrect. It is more than XXXX years old. I have tried to get this removed and they refuse to do so. 
I have also disputed this directly to XXXX and they do not respond.
Product: Checking or savings account

They charged us overdraft fees multiple time even though we have overdraft protection and someone hacked our and wells Fargo locked it down to where I couldn't access it and never did anything about it. We had our account locked for about 2-3 weeks before we finally left them. When I called to shut the account down they said there was no progress but they were still working on it. I had other bills that were past due and had late fees from my other bills due to this lock out.
Product: Credit reporting or other personal consumer reports

On XX/XX/01, I sent certified mail to Equifax, XXXX and XXXX, a detail letter on the errors that I noticed no my report after getting my annual Credit report, errors such as late payments ( US 15 1666b ) collections ( 15 USC 1692c ( c ) and inquires ( 15 usc 1679C ) know I was a victim of ID theft with these agency and I advise them of the issues and still waiting to get a resolution. This has been causing stress on me and my family I not able to help my daughter to go to college because these errors is cause my score to drop. Any help would be greatly accepted. Thanks
Product: Credit card

I made a {$600.00} payment on my XXXX credit card and was told I could use the card with new credit Then a second agent told me I couldnt that the account was closed so I demanded my {$600.00} payment refunded and was told that they would take out minimum payment of {$95.00} and send me a check for {$500.00} XX/XX/year> Then when I called today XX/XX/year> a supervisor told me that they took out a different minimum payment of $ XXXX and would not refund my payment even though I told them repeatedly that I cancelled the {$600.00} payment I have been having extreme medical hardship, tests and surgeries and am on XXXX XXXX agents including the supervisor lied to me and refused to cooperate XXXX XXXX XXXX www.aspire.com I want my {$600.00} payment refunded Because I cancelled it after being lied to by XXXX agents
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was included in my XXXX  XXXX that was XXXX by the court as of 2018. 
I have returned their car back, sent messages via their site ( Axos Bank ) called a couple of times, attached a copy of the discharge to their site and via email. The attorney that filed the Bankruptcy has even emailed them letting them know that they should stop defying court order, yet, they still keep reporting it on my credit report as missed payments and the account isn't still closed. While every month i get emails and mail in my mail box of statements from them to make payments. 

I would think that AXOS Bank would know a bankruptcy XXXX  operates as an injunction against the commencement or continuation of any act to collect or recover a debt as a personal liabilty of the debtor is properly a basis for civil contempt proceedings.