23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company CREDENCE RESOURCE MANAGE with address XXXX XXXX   XXXX, XXXX, MI XXXX USA placed in my credit report a collection for a XXXX on XX/XX/2019, but it appeared in my XXXX   account on XX/XX/2019. I tried to find Credence Resource Management Website to write them by email but apparently they don't have one. On XX/XX/2019, I contacted Credence Resource at phone number XXXX and spoke with XXXX XXXX. I gave my name, address, phone number and last 4 digits of muy SS number to validate my identity but he requested my full SS number. I told the customer representative to validate my information and identity with the information I gave him but, he continued asking for my full SS number which I refused. I contacted XXXX XXXX at XXXX and spoke with XXXX XXXX to verify if I have a due balance with the company and upon verification, he notifies me that my balance as of today XX/XX/2019, is XXXX. Also, I asked XXXX XXXX from XXXX XXXX if his company has also the name XXXX XXXX  which he responded that their name is only XXXX. Searching the Web for Credence Resource Management at forums I found that Credence Report Management is a scam company using the tactic of money collection. There are many complaints about this fake company calling for debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX  and experian to verify this account because there is inaccuracies. Also, this account does not belong to me and XXXX responded verified but did not send proper documentation showing me how they verified the account and the documents they have that verified the account. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account with a balance of {$930.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right and 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 constructions
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a card in a best buy store. Approximately 10 days later I called to get a new card and was told I would need to verify my account to change my address and get a new card. I was told I would get a call or a letter to verify my address. I received the letter but no call. I called in to verify the code in the letter and was told I would receive a card in the mail within 10 days. Approximately ANOTHER 10 days later I called to let them know I had not received the replacement card. They locked my account and told me I would get another call and/or letter. I have not received either yet and need to make a payment on my account. On the other hand, I would also just like my card because I do not know where these cards are going and/or who has them. I have also been told they are unable to verify my account via text message because they can not send a text message but I get text messages from them telling me that my card has been shipped or returned to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX ACCT # XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection angecy. I will await your reply with the above requested proof Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau 's expected or damages will be sought after All accounts in dispute listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that my credit score had dropped XXXX points on Experian. I opened it up to find that there is an account from USDA NATL Finance Cntr that does not belong to me. It states that I am over 180 days delinquent in the amount of {$1200.00} and I am sure that it is incorrect information. This is the first time of me hearing of this. This is a violation of my credit rights. I have never received a notice in the mail about anything being owed. On my Experian credit report it reads that the account was opened on XX/XX/2021. I have not personally applied for credit or authorized anyone to open up credit or any account on my behalf. This is not my account and it is affecting my credit. I am currently speaking with an attorney for this matter as well.
Product: Mortgage

This whole debacle with our home/mortgage with Shellpoint stemmed from Shellpoint offering a " Covid relief program '' as many lenders offered. As we approached the deadline, Shellpoint refused to answer any of my questions with regards to " what are we going to do next? '' Shellpoint offered over four different single point of contacts and each one of them still refused my numerous requests for help. 
Shellpoint started foreclosure proceedings and they also set an auction sale date. With the little money I had at that time was spent on real estate Attorney XXXX XXXX in XXXX XXXX. He, within five hours made Shellpoint stop any further actions on our property. Shellpoint then retaliated by giving us only one option and that option was " a take it or leave it modification '' that raised our payment over {$1100.00} per month, making it even harder for us to afford our house. At that time, I was XXXX years old and suffering from XXXX XXXX, in which, our beautiful home is equipped for my handicap. The only ones concerned with what was going on with us and our home, were my wife, myself and our family. Shellpoint showed no remorse whatsoever for what they did to us and could give a rats XXXX with regards to helping us. Not only did they raise our payment over {$1000.00} per month over the original payment of {$1800.00}, they also put in approximately {$130000.00} onto our mortgage balance, which raised it from {$220000.00} to nearly {$380000.00}. Shellpoint told us this was not a modification rather a forbearance that we never agreed to or signed. This is absolutely criminal, predatory and malicious in every way shape or form. This worry and stress has worsened my XXXX XXXX which has left me wheelchair bound. Does Shellpoint care? Absolutely not! Please help in anyway that you can and help us save most beautiful forever home. 

With sincere gratitude, XXXX and XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX
Product: Debt collection

On XX/XX/XXXX, I received a letter from Weltman, Weinberg & Reis Co., LPA. 
This letter notified me that they were acting on behalf of XXXX XXXX, and that the letter was an attempt to collect a debt of {$5100.00}. On XX/XX/XXXX, I mailed a letter to Weltman, Weinberg & Reis, at the return address listed, requesting a validation of this debt. As of XX/XX/XXXX, I had yet to hear back from this firm and had since moved onward. 

However, today at XXXX. I received a text message from a debt collection firm, offering to represent me in my " upcoming case '', and referenced a case number in my local Municipal Court. This case number shows that Weltman , Weinberg & Reis has filed a judgement against me, ignoring my request for validation. While I have yet to receive an actual letter regarding this upcoming case, court records clearly show that this is indeed the current state of this issue.
Product: Mortgage

This is regarding our XXXX mortgage ( home equity? ) ; primary mortgage is in good standing. Spouse retired because of XXXX. Contacted lender before default occurred to seek remedies. They refused to assist. Default occurred. Additional financial assistance obtained through SSA. Lender refuses to accept any payment until entire default amount is paid in full. Foreclosure imminent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request to file a CFPB complaint. The current status should not be showing late because I paid it on time. The Credit Reporting Agencies lacks proper record keeping. The account is open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Equifax and XXXX Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct this account immediately : XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$7200.00}.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the removal of inaccurate late payments reported by XXXX XXXX for the months of XXXX, XXXX, and XX/XX/year> from my credit report. These late payments are having a significant negative impact on my credit score, and I believe they are not accurately reflecting my financial situation during that period due to extraordinary circumstances brought on by the COVID-19 pandemic.

During the specified period, I faced severe financial hardship caused by the pandemic, which temporarily affected my ability to make payments on time. Under Section 4021 of the CARES Act, consumers like myself, who entered into any form of relief agreement with their creditors, such as deferments or forbearances due to COVID-19, should have had their accounts reported as " current '' on their credit reports, provided they were complying with the terms of such agreements. 
Despite this legal protection, XXXX XXXX continued to report these payments as late, which I believe is an error in the handling of my information. The continued presence of these late payments on my credit report is unjustly damaging my credit score, resulting in higher interest rates, reduced access to credit, and additional financial difficulties.

According to the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 (
a ) ( 2 ) ( A ) ( i ) ), credit reporting agencies and information providers are required to ensure the accuracy and completeness of the information they report. Furthermore, the FCRA, along with 15 USC 1666 ( b ) and 1637 ( b ) of Title 15, protects consumers by requiring the correction of any errors or inaccuracies.

I have already disputed this information directly with the credit bureaus, but the late payments remain on my credit report. Therefore, I am seeking the assistance of the CFPB to intervene and ensure that these late payments are removed in accordance with the legal protections provided by the CARES Act and the FCRA. 
Please find attached copies of the letter sent to the credit bureau with my credit report highlighting the disputed late payments, as well as any relevant supporting documentation. I respectfully request that the CFPB assist in the removal of these inaccurate late payments from my credit report to restore the accuracy of my credit history.
Product: Credit card

XXXXells Fargo has XXXX my application despite my following their instructions to the letter. 

I have excellent credit, have been a customer for years, and my address has not changed. 

I have faxed in XXXX PDF copies of my utility bill with XXXX to verify my address and am still running into issues. 

For context- Wells Fargo is losing money as a vendor of the XXXX XXXX and this is documented in the press. They have every incentive to make it difficult. 

I have proof that I have faxed in my utility bills to confirm my address, and yet they claim it can not be verified, Please advise, ~XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XXXX XXXX # XXXX I have received your request for the return of the property leased through XXXX XXXX. Thank you for getting those pictures sent in. 

The following options are available to you : Unfortunately, we do not have a pickup team in your area. 



Settlement : We can offer you a settlement of ( $ XXXX+tax ) Payment of this settlement will allow you to keep the property and ownership will be transferred to you after the amount is paid in full. A payment plan can be set up for the settlement amount if you choose to settle. If this is your choice then please call us to work out a payment plan that will suit both you and XXXX. 

We will await your response within the next 48 hours. Please get back with us either by replying to this email or calling us at XXXX Monday-Friday XXXX XXXX XXXX MT Thank You, XXXX | XXXX XXXX  : XXXX l F : XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX | XXXX -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/2021 XXXX AM To : XXXX Subject : The gold has splashes of silver which may be aluminum the dealer told me it was XXXX k he agreed to make it correctly and do it over it doesnt fit and its not white gold like Ive asked it has blue vvs1 diamonds he agreed to redo it Friday white gold with blue diamonds the mold was hurting cus it wasnt fit correctly so it fit the moldinind wasnt done properly so it hurt if I try to wear it I can not fit it my first time I forced it on with a towel n pushed hard with all my might and I couldnt get the grill off my teeth fit 3 days and had to get meds for my teeth nerves were hurting my gums Sent from my XXXX ref : XXXX : ref
Product: Mortgage

On XX/XX/2019, XXXX XXXX, Acopia home loans, was given my personal information to run my credit. I did not authorize this transaction from occurring.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, The company XXXX XXXX XXXX XXXX account XXXX has violated my right 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: Debt collection

Our journey with XXXX XXXX began with the original contract signed on XX/XX/XXXX, followed by an upgrade on XX/XX/XXXX. Both visits, intended as simple weekend getaways, turned into high-pressure sales experiences. Upon checking in, we were informed at the front desk that attending the presentation was mandatory. Similarly, during the upgrade process, we were told it was a required owners meeting. Incentives such as waterpark tickets or a {$100.00} XXXX gift card were offered to persuade us. We accepted the waterpark tickets on both occasions. 

During the initial purchase, our Sales Representative was XXXX XXXX, with XXXX XXXX serving as the XXXX XXXXXXXX and XXXX XXXX as the XXXX XXXX. For the upgrade, XXXX XXXX acted as the XXXX XXXX managed by XXXX XXXX. 

Throughout both presentations, we were inundated with offers that seemed far too good to be true. The environment was overwhelming, and the pressure to buy was relentless. Each time we expressed hesitation, another person would step in to push the deal. The process began at the conference center and continued at the waterpark with a buffet, where they showcased various activities and amenities. Afterward, we were shown properties on the resort, followed by a return to the conference center where their best deal was presented. Repeatedly, we were told that these opportunities were rare and time-sensitive. 

If we declined, managers would step in, often claiming a recent foreclosure or offering gold cards supposedly worth {$7000.00} each. The persistence didnt end therethey would leave, regroup, and return with more individuals to persuade us. The pressure was immense and unrelenting. 

The promises made during these presentations were deceptive. We were assured we could travel whenever we wanted or generate income by renting out the timeshare, yet none of these claims materialized. They emphasized the flexibility of points for spontaneous trips, but our attempts to book anything have been unsuccessful. The entire closing process was rushed, with documents shuffled quickly and no time to thoroughly review the terms. 

Now, we are stuck paying for something we can not use. Vacations have become impossible, both due to the lack of availability and the financial strain caused by the program. We feel completely misled. If the lifelong commitment and limitations had been clearly disclosed, we would never have agreed to the contract. 

Their aggressive sales tactics even went as far as to create tension between us. They manipulated us into feeling guilty for not agreeing with one another, playing on our emotions to seal the deal. Such practices are deeply unethical and unworthy of a company that claims to care about its customers. Instead, its clear they are focused on exploiting individuals with false promises and high-pressure tactics. 

Given the misrepresentations, undue pressure, and inability to utilize what we were sold, we firmly believe our contract should be terminated immediately and in full. The deceptive practices employed by this company are unacceptable, and we demand to be released from this agreement without further delay.
Product: Credit card

This company is a XXXX  credit card company therefore you pay upfront and then spend the money after you pay. Ive asked to be refunded the money I have remaining and close my account. Ive been able unable to reach anyone over the phone or by email. Ive asked for a replacement card which Ive been unable to receive. Its been over a year. Ive contacted the XXXX XXXX XXXX  as well. You can not get a person on the phone. This company is impossible to work with. They owe me {$230.00} and I have no way of getting in contact with them or getting replacement card. I want my refund and I want my account closed.
Product: Checking or savings account

TD bank allowed someone to open an account in my name and address. I contacted them to report this account was fraudulent, after receiving a bank statement. I spoke with their fraud department, who assured me the account was being closed. However, I just received another bank statement from them for this fraudulent account. I will be personally driving to the closest bank branch to demand answers as to why this account was not closed. I have never had an account with this bank and never will.
Product: Vehicle loan or lease

ACCOUNT # : XXXX ***THIS ACCOUNT WAS ESTABLISHED WITH SAFCO THEN SENT TO XXXX XXXX WHO HANDLES THEIR BANKRUPTCY-COMPLAINTS HAVE BEEN EQUALLY MADE BETWEEN THE TWO COMPANIES**** I was told by Safco & XXXX XXXX XXXX that I needed to bring my account current to receive a two-month deferment. I paid the amount they stated to bring current in XXXX Then received a unprofessional, rude call from XXXX XXXX XXXX XXXX stating yeah, we got the payment but your past due. I then contacted Safco manager XXXX XXXX, and he stated to me. " Well, this is what we came up with. I have strong armed repeatedly on this acct, I have requested audits, I have sent in proof of payments with bank statements and NOT received credit-told I was however payments continue to increase not decrease, Now, this-we all understand how deferments work and yet they just keep taking my monies not honoring laws, GAAP or their own arrangements. I need help getting this account audited and payments posted correctly-the accounting records, payment history is insane-SAFCO sends ledger and payment history to XXXX XXXX  ( they handle SAFCO BANKRUTCY CASES-yet their records do not match-payments may show on and not the other and vice versa-upon years of trying to get resolve - I just receive rude responses, going over the payments BUT know updates or answers to the unposted payments, the request for acct. to be audited, answer to mismatched ledgers and etc. Now, the most absurd thing-this deferment-I had to pay CURRENT to receive the two-month deferment-I paid it in XXXX & in XXXX-they contact me and state I am 2 months behind and reflect this in the payment history-HELP ME! I have attached the liaison between Safco to Peritus-manager XXXX XXXX email correspondence about the deferment, yet they are harassing me, threatening rep and stating account is still delinquent. 
ACCOUNT # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Usaa is a virtual bank. They do not have local branches. I uploaded checks mobility. I uploaded check properly per tgier instructions. They mishandled the upload because they have internal issues. This processed have errors after receiving checks and they mishandled my deposit and penalized my account. Thier banking mobile upload should not be allow because it have errors that effect customers accounts and they are unwilling to fix issues on accounts due to flaws in thier system and thier management of customers funds.