23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This CREDENCE RESOURCE MANAGEMENT account with a balance of {$150.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an FCPA lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with XXXX reporting on my name TransUnion account that is not mine. It says it is a joint account but I never opened nor authorized it. I asked everyone in my family and no one recognized it so it has to be a mistake or blatant fraud. I contacted XXXX and they said they would remove it, and I know they did because it was removed from my XXXX  and XXXX  reports. I contacted Transunion several times to follow up but they seem to be ignoring me.
Product: Credit card or prepaid card

Synchrony account with equal payments and deferred no interest payments. Made 2-4 extra payments the last 3 months to pay off soon to expire promotions. Payments in addition to minimum payments are supposed to be applied to high interest or soon to expiring promotions. In my case all extra money was applied equally to all promotions resulting in one promotion to expire with interest charged. After 3 messages thru my online portal with whoever responding with payments were applied or just ignored the question replying with here is your balance. Called spoke to a person was told my statements show my payments applied after 20 mins back n forth the agent she agreed that anyone would want high interest paid off first. But that is not how the computer reads the payment and can only equal payments. Can not unapply payment after applied in their system. I told her this was wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Experian, a credit reporting agency. I had submitted a dispute regarding my personal information to Experian, requesting them to remove inaccuracies in my personal information. The dispute was submitted by me on XX/XX/2023. 

On XX/XX/2023, XXXX XXXX, the dispute with XXXX tracking number XXXX was delivered to Experian 's address. However, Experian has failed to take any action on my dispute. Instead, I received a response from Experian stating that they received a request regarding my credit information that does not seem to have been sent directly by me or to be authorized by me. This is not true, as I am the one who submitted the dispute. 

According to the federal Fair Credit Reporting Act, if a consumer notifies a credit reporting company directly of any dispute regarding the completeness or accuracy of any information contained in their credit report, the company shall reinvestigate the dispute free of charge. However, Experian has completely ignored my dispute and failed to take any action, which is a clear violation of FCRA 's requirements.
Product: Mortgage

My husband and I mutually agreed that I would stay home and raise my daughter over the years. Now he has decided that he no longer wants to bear the burden and has cut us off financially and left us. He has always taken care of these matters and I have no idea how to proceed. I know that I have received notices but the strain has made me ill and I have been admitted to the hospital on a consistent bases - I am constantly fatigued and faint. Please, I am asking just for a short postponement of our foreclosure dates so I can short sale it, perhaps salvage some of my credit when I get on my feet. I can take care of myself and my daughter - I just need a little time. My realtor tells us she faxed everything to DiTech XX/XX/XXXX but we have never heard anything from them. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been since XXXX. I view my credit report often to see if my SSN, my address and my name has been stolen. Indeed it has been again. 
The person who stole my identity is XXXX XXXX. He left a balance of XXXX on XXXX at an apartment complex in XXXX XXXX Florida. I have never lived in XXXX XXXX Florida or have I ever visited this city. 
Another way I found out about this individual is because the spelling of my first name. He uses an incorrect spelling. He also uses my maiden name. 
National Credit Systems is now on my credit report. I have notified the FBI, IRS, SSN, my local police office. I have made reports to all offices. This person also had bank accounts with XXXX  XXXX XXXX, XXXX XXXX and also has a import/export business out of XXXX XXXX Florida. Every time I have been close to finding this person by informing these institutions of my stolen identity, this person relocates and leaves my credit in shambles. 
I attempted four times to call National Credit Systems. I have left messages and no one calls me back. I called again today and the representative who handles these type of cases left a message but right before the agency closed for the day. I left a voicemail again. 
I feel violated and I feel no one is willing to help my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I have reached out to the FTC and my local police. I need this items deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. lnquiries : XXXX XXXX, XXXX. Im doing this on my own behalf.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX According to 15 U.S. Code 1681c-2 and the FCRA 605B, all of this information must be blocked immediately from the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been well past that timeframe and you are in violation of these laws because I am a victim of identity theft. Please delete these items immediately until the investigation is completed as they are in violation.

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach along with identity theft. All of this is being investigated by the FTC. These accounts should not be furnished on my consumer credit report because they are in violation. Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report ANYTHING on my consumer report which directly violates my rights as a federal protected consumer. NO CONSENT is identity theft. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Even though I have been sending, and company acknowledging my receipt of, a loan modification application since XX/XX/XXXX, they just now are saying it was assigned to underwriting on XX/XX/XXXX. Now all 3 of my unpaid months are being reported as late all the time they have been in receipt of my application. No response to ANY emails ... how can a company just ignore people like that? When they " reach out '' to us it's an automated message telling us to call back ... to be on hold for more than an hour just for them to ask for money but no answers to the loan modification. This is the worst loan servicing agency I have ever dealt with.
Product: Debt collection

I have a collection from XXXX XXXX XXXX for over {$7000.00} XXXX not in the state of Pennsylvania and never have visited or resided there i am iXXXX XXXX XXXX XXXXXXXX said i had to make a police report which i have already done i have not reported to fraud agency yet because i have to get to station to get copy but that will be done soon. But im not understanding how this can even happen and not be thurally verified or why i have to go through so many hoops for this debt to be disputed when its really not my debt
Product: Checking or savings account

Again requested remediation payment and checks. Still waiting on one since XXXX ( {$250.00} ) the one they promised in XXXX ( {$6800.00} ) for XXXX product. They drag their feet at every step to correcting their deceptive and unlawful practices.
Product: Debt collection

This company has called myself  1 time every six  months for the last few years. They are looking for a family member to collect debt from. I have no information on that person.   I provide our phone numbers and said not to call us every time. I tried to get information on how they got our information. They said something about skip tracing, I have no idea what that means.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX I requested my credit report. Letter dated XXXX XXXX requests additional information. I sent them colored copies of my driver 's license, Passport and social security card. In addition I sent them documents that state I paid XXXX accounts in settlement with XXXX account a charge off with a XXXX. What I received was inadequate. Equifax sent me a letter dated XXXX XXXX concerning verification of my name and address only. No mention of my documents sent to correct my credit report? Equifax is a XXXX company! 
I would like corrections made in a reasonable time. Equifax is not in compliance with the law!
Product: Vehicle loan or lease

In XXXX of XXXX, my leased XXXX  XXXX was totaled in an accident. My insurance company XXXX paid off the vehicle 's balance as part of my settlement and I understood my loan as being closed. I was not aware that the property tax for the vehicle would be added to my lease account " Balance '' 4 months after the car was paid off. 

Fast forward to XX/XX/XXXX, I was hit with a " collections '' account on my credit report for an unpaid balance on my BMW lease. When I reached out to BMW financial asking why I was never notified about this unpaid balance, they said they tried for a year to reach out to me and the balance was moved to collections. I never received a single phone call, letter or notification that I still had a balance on the vehicle after XXXX paid off the loan. When I asked them if they will remove the collections report on my credit report if I pay off the balance, they said they can't because its against company policy.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I started a transfer from my borderless XXXX account to another account, the recipient details seems to be incorrect and transfers couldn't complete the payment, I wrote to them and tried to correct the details but my they deactivated my account instead and they advised me on XX/XX/XXXX that I'd have to wait for 60 days. 

I have waited 60 days already and these people still will not release my funds into the account provided to them ; they keep stalling and I am being told different things ; I contacted them last week on the XX/XX/XXXX and I still do not have my money. 

I am XXXX and In serious need of my money ; I am not appealing to use their services anymore, All I want is my hard earned money paid into my local account I have provided to them
Product: Mortgage

I have been instructed by SunTrust Mortage rep over the phone that I need to come up with {$11000.00} cash to be able to cancel MIP or Mortgage Insurance from my FHA loan. I have secured the fund with difficulty and mailed them the check ; however, the institution declines to cancel MIP. The office of president is simply telling me it was a mistake! I want Suntrust either remove monthly MIP or refund my fund with damages that caused me such as processing fee, application fee and the interests on the fund.
Product: Credit card

Barclays Financial canceled my credit card, because they stated that my credit score decreased. I 've been dealing with unemployment and have entered into payment agreements with all the accounts where I am delinquent. However, I have never been delinquent on the Barclays account. Can they cancel my credit card anyway? I thought they could not do that as long as I was up-to-date in paying them.
Product: Mortgage

By XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ), which held a 2nd Against our home, had gone out of business. Four for years ( since XX/XX/XXXX ), not a single legal entity contacted my for payment for this the 2nd lien ; thereby surpassing the four year statute of limitations as defined by California State Law ( California Code of Civil Procedure 312-366 ). To wit, the 2nd Lien Held by XXXX XXXX XXXX XXXX is mute as it was never collected upon during that four year period after the company went bankrupt due to many of the company executives being found guilty of embezzlement and perjury in Federal Court ( see the attached documents for a complete explanation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent the sum of {$860.00} through Paypal.com and the company charged me the sum of {$25.00} charging me a total of {$890.00} to a company called XXXX XXXX XXXX XXXX phone number XXXX who reported to me they did not receive the funds. I complained to paypal.com ( see info below ) Dispute Case ID : XXXX Transaction Amount : {$890.00} USD Dispute Amount : {$860.00} USD Transaction ID : XXXX Transaction Date : XX/XX/202 And Paypal said they show the funds were processed and there was nothing they could do. I have confirmed with XXXX  XXXX  they do not have the funds. I don't understand the explanation of paypal that they can't assist headstone world in accessing the funds or returning the funds back to me. I need your assistance in getting a better explanation from Paypal.com as to why the funds can't be provided to either XXXX XXXX  or myself.
Product: Debt collection

Made a purchase through the company Monterey Financial Services for the estimated amount of {$1900.00}. 
Was given 30 days to pay the balance in full. However on the XXXX day, when I tried to pay the debt in full I was told I was not eligible for repayment and owed more than 50 % of my original balance ( more than {$4000.00} ). I was told that in order to be eligible for repayment in full I had to call 5 days before the XXXX day and inform Monterey Financial Services of my decision to pay the balance in full. The company then placed this balance on my credit report in collections. I disputed the claim and had it successfully removed, only to find a month later that the debt returned and I was charged an additional {$1000.00} in interest taking my balance over {$5000.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX using account XXXX, has violated my rights. XXXX5 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.
Product: Checking or savings account

I 'm trying to ge t a cash advance trough   XXXX   XXXX   and td bank refuses to send an update on my account in a timely matter they are costing me money! This bank is one of the most unhelpful bank I have ever had all they care about is making money and   they do n't care about the customer!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I went to XXXX XXXX in XXXX, XXXX  trying to buy a car. While checking my credit, they made XXXX  hard inquiries on my credit report instead of doing XXXX soft hit. I feel like they have violated my credit report by doing so and I would like to dispute those inquiries. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2200.00}
Product: Debt collection

Since XX/XX/year>, I have been receiving unwanted phone calls from an unidentified company. They are using various XXXX  numbers to conceal their identity deliberately. The frequency and intensity of these calls have been increasing daily with the intention of harassing, oppressing, and abusing me. Upon investigation, I have identified the caller as Credence Resource Management , LLC, a debt collection agency that focuses on telecommunication, utility, and healthcare consumer debts. According to The Fair Debt Collection Practices Act ( FDCPA ), they are obligated to send validation information within five days of initial contact. Credence has failed to provide written validation of any alleged debt, thus violating this rule. Furthermore, debt collectors breach the FDCPA when they engage in harassing, oppressive, or abusive behavior towards you. A record of all received calls to date is available for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.XXXX  XXXX XXXX XXXX XXXX, NY XXXX, AMEX XXXX