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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX  Account NumberXXXX Account name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We have a home loan with Roundpoint Mortgage. In XXXX we sent {$270000.00} with a request to recast our loan. We were eventually referred to a XXXX XXXX who told us to send our recorded Deed of Trust, we sent it several times. He stated in an email XXXX/XXXX/15 that he received all XXXX pages, then on XXXX/XXXX/15 he stated in an email he did NOT get them, and we sent them again. On XXXX/XXXX/15 he stated in an email he got all pages. We sent several emails asking for a status update. On XXXX/XXXX/15 he stated in an email that the processor will have documents to us by end of XXXX. We sent emails the end of XXXX asking the status as we received nothing from the. On XXXX/XXXX/15 he called our home and stated that they were waiting for us to send the Deed of Trust! He was reminded of all the above information and after arguments he " checked with his processor '' and said we would have documents by XXXX. We asked for that in writing and also to speak with his supervisor XXXX XXXX. XXXX never did return a phone call and neither XXXX nor XXXX have returned multiple requests for a status update. They have had our money since XXXX. All we are asking is to have our loan recast. Their incompetence and lack of response and follow up is frustrating and unnecessary. It is difficult to speak with XXXX and each interaction leaves us frustrated and upset. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted all 3 credit bureaus regarding a 30 day late payment posted on my credit report for my car loan with XXXX for the month of XX/XX/2021. This account was never 30 days late. XXXX investigated and couldnt verify that the info was correct. They removed it. XXXX and Transunion both keep stating the info is accurate, but neither will provide the proof of this accuracy or the person they contacted or documents showing it is in fact accurate. I have requested this 3 times. They have not removed it.
Product: Debt collection

Complaint Against Credence Resource Management for Failure to Validate Debt and Violation of Credit Laws I am writing to file a formal complaint against Credence Resource Management ( CRM ) for their failure to validate a debt they are attempting to collect, as well as their non-compliance with consumer protection laws under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

1. Background and Debt Validation Request : I was contacted by Credence Resource Management regarding a debt they claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ), I sent a request for validation of the debt, asking them to provide : Proof of the original creditor, the total amount owed, and any documents establishing my responsibility for the debt. 
Evidence that they are authorized to collect on the debt, including any agreements or assignments transferring the debt to their agency. 
Despite my formal request for validation, Credence Resource Management has failed to provide the requested documentation within the 30-day timeframe mandated by law. Their failure to validate the debt is a clear violation of my consumer rights under the FDCPA, which requires debt collectors to provide proper validation upon request. 

2. Reporting to Credit Bureaus : In addition to failing to validate the debt, Credence Resource Management has also reported this unverified debt to the major credit bureaus ( XXXX, XXXX, and XXXX ). The inaccurate reporting of an unvalidated debt violates the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate, verified information be reported to credit bureaus. 

3. Request for Action : Given the failure of Credence Resource Management to validate the debt and the improper reporting of unverified information to the credit bureaus, I respectfully request the following : Credence Resource Management immediately cease all collection activities related to this debt. 
Credence Resource Management provide proper validation of the debt as required under the FDCPA. 
The unvalidated debt be removed from my credit reports with XXXX, XXXX, and XXXX. 
Compliance with all applicable consumer protection laws, including the FDCPA and FCRA. 
Please investigate this matter and take appropriate action to ensure that my rights as a consumer are protected. I trust the CFPB will take the necessary steps to ensure Credence Resource Management complies with the law and resolves this matter promptly. 

Thank you for your attention to this issue.
Product: Credit card or prepaid card

During The XXXX of XX/XX/2023 I sent a letter of validation of the bill for account ( XXXX ) to Capital ONE auto finance ( all certified mail/ hand written ), asked the company to send me evidence and bank statements with my name on it, and they did not send statements or remittance coupons with my name on it. I also sent a notice to the CFO of Capital One, telling him I am going to send remittance coupons instead of having my checking account debited. I also got approved for a Capital One credit card and 10 days later, they closed my credit card account ( see enclosed ) ( adverse action ) and added an unknown balance to my car auto finance portal. I was still never supplied with the information I asked for ( see enclosed ).
Product: Vehicle loan or lease

My car was involved in an accident on XX/XX/2021. As a result, the vehicle was declared a total loss. As part of the insurance settlement, I decided to retain the vehicle as-is. I retained the now-salvaged car and the XXXX paid me the remainder of the said settlement. 
The vehicle had an outstanding balance with the finance company, Veros Credit. 
The insurance company paid off the vehicle and since I retained the vehicle, I logically became the legal owner of the vehicle. 
After fixing the vehicle, I visited DMV for registering the vehicle to my name, but DMV required an Affidavit in Lieu of Title which would prove the release of interest from the Finance company. 
I have been trying to get the Affidavit in Lieu of Title or any other document proving I am in fact the legal owner and can get the car registered. But Veros credit makes it impossible to get the said docs. They keep me in an infinite loop providing contradicting information. They initially said that they have sent the title to the Insurance company. But it later became clear that the address they sent the title to was my old address where I no longer live. Consequently, I have not received the title. They later said they will re-send the document to the insurance company and it is where I can get it from. But on my final call they said an Affidavit in Lieu of Title is an electronically issues document and can not be mailed in actual copy. 

As a result, now I have a vehicle that was paid off by me but the finance company in reality refuses to assist me and release the title.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   MUST NOW CEASE AND DESIST REORTING ANY AND ALL CREDIT INFO FOR CREDIT FURNISHERS ALL OTHERS AS STATED IN TH E : F.C.R.A  . 15 USC 1681A ( g ). ( see  XXXX  letter )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX 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 have 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 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

Account opened XX/XX/2020 and a balance of {$6900.00}. I previously disputed this account stating " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Money transfer, virtual currency, or money service

I was scammed. Perpetrator made deposits in my Wells Fargo account and nu, erous withdrawals were made in the amounts of XXXX or greater. Wells Fargo bank was notified. Accounts were closed and passwords were changed.
Product: Mortgage

My mortage was sold to carrington mortage services as of XX/XX/2016 my loan number there is ( XXXX ). i am current on my payments when my loan was sold i yet to receive my statement from them so i can send my payment to them!! when i contacted them they said they would send it with no change to my payments or it would stay the same.My loan number from XXXX is ( XXXX ) i also called them on XX/XX/2016 and i was told everything was ok and i had a 60 day grace period to get everything ready i have still not heard any thing from them please help!! i do not want to lose my home over this company i have reseached this company and heard very bad things thats why i am writing to you i am on a fixed income!! 1 and XXXX with a lot of XXXX from XXXX i have all of my mortage statements from XXXX!!! and letters regarding this matter. I ask you at the cfpb to go on line and see complaints simular to mine this is not right i am contacting you before thhey try to scam me like so many others please help thank you!!!! 
sincerly XXXX
Product: Debt collection

LVNV is attempting to collect a debt that stems from an account opened without my permission due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was reported 30 day late XX/XX/2019 was reported incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Regarding Report Number XXXX To Whom It May Concern : I am writing to dispute information in my consumer report furnished by XXXX XXXX XXXX on violations of the Fair Credit Reporting Act ( FCRA ) and Washington state law RCW 9.35.020.

FCRA Section 1681a ( d ) ( 2 ) ( A ) ( i ) excludes certain account information from consumer reports. However, I have identified that my consumer report compiled and furnished by Experian contains information reported by XXXX XXXX regarding accounts and transactions solely between XXXX XXXX and myself, including details of account history, payments, status, etc. 

Because Experian has included information excluded under the FCRA, this constitutes a failure to comply with the FCRA and meets the definition of identity theft under Washington state law. 

Therefore, pursuant to 15 USC 1681c-2 ( a ), I formally dispute this XXXX XXXX information as resulting from identity theft. I am enclosing a copy of my Washington State Drivers License, Current Utility Bill and Social Security Card ; I have identified the information resulting from identity theft needing to be blocked ( below ) along with a copy of and identity theft report filed with the FTC. Under 15 USC 1681c-2 ( c ) ( 1 ), you may NOT refuse to block this information based on any other information in my file.

Consumer Statement : Please be advised the information being disputed in this notice is being furnished to my consumer as a result of identity theft and is not information relating to any transaction authorized by me to do so. 

I request Experian immediately BLOCK any and all data furnished by XXXX XXXX associated with Account # XXXX from my consumer report within 4 business days, as required by federal law. Please confirm once my consumer report has been updated. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM THE CFPB THE DOOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY FROUP HELPING ME DUE TO XXXX XXXX ACCORDING TO XXXX  DEBT BONDAGE, WHICH FALLS UNDER RULE 1002.142 ( B ) ( 7 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX XXXX XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$590.00}, XXXX XXXX {$620.00}, XXXX {$2100.00}
Product: Mortgage

New XXXX, I know you all probably is tired of me, but Im trying to defend and fight for my home and property because I had no knowledge of the insurance fraud claim against my mortgage note neither did I have knowledge of the missing mortgage payments and {$18000.00} missing check payment, all was not applied to my mortgage loan that was making payments be missing and late.Neither did I have any knowledge of Round Point Mortgage received {$11000.00} in a new principle/escrow advance refund from XXXX XXXX XXXX XXXX, XXXX XXXX. which Round Point Mortgage falsely stated they was the first mortgagee which is false. Also has a loan number XXXX which I just notice is the investor loan number on the loan modification dated XXXX XXXX the process Date of the {$11000.00} new principal balance Advance Refund process on XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX therefore the investors loan account was open and active XX/XX/2014 it appears payment was paid to the advanced escrow as a refund, is this also undiscovered money? Is this money they received from the fraudulent assignment of mortgage note benefits insurance claim on XX/XX/2014 on the FHA connection lender query report? WOW! This is to much to bear.
Product: Debt collection

I had a student loan account in delinquency. It was obtained by Educational Credit Management Corp ( ECMC ) in XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. ) While I was paying on my student loan prior to this acquisition, I was unable to pay during a period of time when ECMC owned the loan. 

They've subsequently reported this as 14 separate delinquencies on my credit report. Some of these delinquencies are as small as {$160.00}, and could have easily been paid in full. However, I was not given the option to pay 14 smaller debts. Only one large and unmanageable payment. 

In XXXX, I successfully refinanced this student loan. I've made payments on time 100 % of the time, using the income driven option to make it manageable. It took quite some investigation to even find the loan, as ECMC did very little to communicate with me or help me get back on track. 

In trying to obtain a mortgage, I disputed the 14 delinquencies with all three credit bureaus, hoping it could be listed as one debt. I agree that lenders should know about this default, and I understand that student loans are sometimes broken into years or semesters, but 14 exceeds both these numbers. I can not wait seven years for that many negative marks to fall off my report.

In response, ECMC reported 14 XXXX dollar, refinanced debts as STILL in collections for XXXX, XXXX and XXXX, XXXX. ( It was listed as closed XXXX, XXXX before I filed the dispute. ) In response to my request, they added more incorrect information to my report, making it nearly impossible for me to obtain credit. ( It seemed almost like retaliation. ) If they don't own the debt anymore and were paid by a refinance, can they still list it as " in collections '' or " charged off? '' I've contacted ECMC as well. I can not redispute the details with XXXX  ( who listed this change first ), because I've already filed the initial dispute, and I'm not sure I have any recourse with the other agencies if it is similarly reported in this inaccurate way. 

Please help. I'm not sure who else to turn to ... 

Thank you!
Product: Credit reporting or other personal consumer reports

Upon reviewing my online XXXX and Equifax credit profile I noticed several errors and fraudulent information including addresses that are not in association with me, name that does not belong to me the living entity as well as over XXXX inquiries that I have no knowledge of. 
I requested in good faith to have these items removed with equifax directly online and also contacted XXXX  as well as filed a ftc report. The inquiries are as followed XXXX XXXXXXXX XXXX XXXX 2023 ( reporting online to both Equifax and XXXX XXXX ) -I have no knowledge of this account XXXX  XX/XX/year> ( reporting only to XXXX inaccurately ) XXXX I have no knowledge or record of this account XXXX again XX/XX/year> ( reporting only to XXXX inaccurately ) XXXX I have no knowledge or record of this account XXXX XXXX XX/XX/year> reporting only to XXXX inaccurately )- I have no knowledge or record of this account XXXX XXXX XXXX XX/XX/year> reporting only to XXXX inaccurately )- I have no knowledge or record of this account XXXX XXXX XXXX XX/XX/year> reporting only to XXXX inaccurately )- I have no knowledge or record of this account XXXX XXXX XX/XX/year> XXXX XXXX only to Equifax inaccurately )- I no knowledge of this account XXXX XXXX XXXX XXXX 2023 ( XXXX only to Equifax inaccurately )- I no knowledge of this account XXXX XXXX XX/XX/year> ( reporting only to Equifax inaccurately )- I no knowledge of this account XXXX XXXX XXXX  again ( reporting only to Equifax inaccurately )- I no knowledge of this account XXXX XXXX XXXX 2023 ( reporting only to Equifax inaccurately )- I no knowledge of this account XXXX XX/XX/year> ( reporting only to XXXX XXXX XXXX- I have no knowledge or record of this account XXXX XXXX XXXX XXXXXXXX 2023 ( reporting only to Equifax inaccurately ) -I have no knowledge or record of this account XXXX again XX/XX/year> ( reporting to both Equifax and XXXX inaccurately )- I have no knowledge or record of this account XXXX XXXX again XX/XX/year> ( reporting only to Equifax inaccurately )- I no knowledge of this account XXXX XXXX XXXX XX/XX/year> ( reporting only to Equifax inaccurately )- I no knowledge of this account XXXX XXXX  XXXX XX/XX/year> ( reporting only to Equifax inaccurately ) XXXX I no knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted dispute letters to all three credit bureaus, XXXX Equifax, and XXXX As of today, XX/XX/2021 I have not received any notification of the results of the investigation. I have made several attempts on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to contact the agencies via telephone and was unsuccessful. I would like to know if the information has been removed or claim is denied.
Product: Payday loan, title loan, or personal loan

I already have a complaint submitted with this company and now to get back at me they are leaving threatening voicemails every single day that I have as evidence on my phone. I have dates, times and names. They call every single day multiple times a day telling me they are going to take my vehicle, they are going to sue me, they will take my job, they will do whatever it takes. That they are a large corporation and that corporate does not care about complaints and that I have really done it in for myself. Please someone help me.
Product: Debt collection

I received a collection notice from XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX, Texas for a {$370.00} charge. I reached out to the alleged hospital in which they are claiming this debt it due and confirmed that there was no remaining balance and my health insurance took care of the bill for that date of service. I contacted XXXX XXXX via certified mail not once but 3 times requesting they send me validation, not verification, that this balance is in fact my responsible and from the original creditor. They had 30 days to respond with validation which they did not do so therefore they are in violation of the FTC by reporting this as a bad debt to my credit report. I demand this be removed from my credit report ASAP. This company is unethical and is reporting invalid information which is detrimental to my credit health and worthiness. If they do not remove this invalid information from my credit report, I will be seeking legal action against them.
Product: Student loan

In XXXX XXXX I contacted the Dept. of Ed Ombudsman to make a complaint against XXXX XXXX as I continued to have issues with getting my loans consolidated and my repayment applications processed. I also received conflicting information from the customer services reps in attempts to get this resolved. I was contacted by a rep in XXXX ' escalation department and began working with her. 

In XXXX XXXX I submitted an application for a loan consolidation for two loans being services by XXXX to be transferred to XXXX XXXX as they service my other four student loans. At the same time I submitted a 2nd repayment application under the REPAYE option as the first one submitted in XXXX was erroneously rejected by XXXX XXXX Both the consolidation and the REPAYE application were processed and approved on XXXX/XXXX/XXXX and I received a letter indicating such. All 6 loans were consolidated under XXXX XXXX and my payment of {$260.00} was to begin on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I made a payment of {$260.00} to be applied prior to the first due date. Since then I have had to contact XXXX five times in the month of XXXX as they have misapplied my XXXX/XXXX/XXXX payment -- only applying it to XXXX loans and reporting the other 4 as delinquent. The escalation rep twice ensure me that she was making updates to the system that will fix it and it still has n't occurred. My loans are reportedly consolidated but XXXX is only applying payment to 2 of them and reporting the others as delinquent. They indicate all of these internal repayment reapplication requests that they 're making but it is still incorrect. This is affecting my credit as it 's being reported as such. Also, I have the right and the option of repaying my loans early and the payments should apply across all 6 consolidated loans. This is apparently discouraged by this loan servicer, and it creates huge issues every month.
Product: Credit reporting or other personal consumer reports

I submitted a request to validate incorrect information on my credit report on XX/XX/ and still have not heard anything back which is beyond the 30 day period.