23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX CT, XXXX XXXX, FL XXXX TODAYS DATE:04/09/2021 RECEIVABLES PERFORMANCE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious RECEIVABLES PERFORMANCE I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX CT, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and have identified several inquiries that appear to be both inaccurate and unverified. These inquiries do not reflect any actions or consent that I have provided, which raises concerns about their legitimacy. Under the Fair Credit Report Act ( FCRA ), specifically Section 1681c ( a ) ( 3 ), a credit reporting agency must ensure that all information reported is accuarate and verifiable. As such, I request that these unverified and incorrect inquiries be thoroughly investigated and, if found to be in error, removed from my report.
Product: Debt collection

XXXX threatened to sue me for this debt while I was attempting negotiate a settlement. XXXX had no interest in working on a settlement and I paid the entire balance, however, Collection Professionals refuse to remove this medical collection from my credit reports. Please manually delete this item from my credit report.
Product: Credit card or prepaid card

Although I filed a charge dispute and provided American Express with compelling hard evidence that Ive never received the merchandise I ordered, American Express has never issued me a final credit, instead we are engaged in a vicious cycle of temporary credits and charge backs that almost feels like harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE ASAP The following addresses are not mines ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following Employers are not correct ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX THESE TWO BANKS ARE NOT MINES I DID NOT AUTHORIZE THEM. XXXX XXXX XXXX XXXXXXXX XXXX PLEASE DELETE ASAP
Product: Checking or savings account

XXXX  offers easy-to-open and fund CDs ( Certificates of Deposit ) on their website. Everything can be done online over their website from creating the account to funding the CD. An external bank can easily be connected to your account and it can be accessed to fund the CD. After the CD matures Synchrony Bank makes it impossible to close the CD and transfer the money back to your external bank using their website. Instead, you must call a phone number, wait on hold, and jump through hoops to close the CD. 

The federal goverment/ FTC has recently enacted " click to cancel '' laws to prevent subscription services from these practices that are overly burdensome to consumers. These laws should apply to banks for these tactics and Synchrony Bank should be highlighted as an offender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the Fed Loan accounts multiple times on my credit reports. They keep coming back as verified but they are still reporting inaccurate information. The most noticeable error being that it goes from current to 90 days past due from one month to the following month. It's impossible to be current one month but then 90 days past due the following month. In addition to that, these accounts first went past due prior to XXXX of 2016 so no longer should be reporting on my credit report anyway. The information reported to each bureau is also different. How can the information be different, but still accurate?
Product: Credit card

Last year I was referred to Care Credit and apply for a credit care to be able to pay for my sons dentist bill.No one advised me of the high fees that were actually tied to the loan and I never heard anything from care credit so I really was not sure what more I had to do besides received the credit card and use it to pay a Dr bill. I never actually received any kind of credit card agreements and pretty much relied on the dentist to advise me what steps to take once the service was given and they stated to pay the bill once i received teh statements.
Product: Credit card or prepaid card

I called in and was told that I had 45 days to cancel the credit card and be refunded the annual fee. I called in on the 42 day and was told I only had 37 days.
Product: Debt collection

I received a letter from the original creditor ( legal action department XXXX XXXX XXXX  XXXX XXXX ) in XX/XX/2018, stating I owe {$190.00} in damage to carpets and double coating wall painting. this letter also stated that I may get threats from the collection agency hunter Warfield,  harassed and the company will not be responsible. XX/XX/XXXX I sent a letter in response to XXXX XXXX XXXX stating I do not owe balance XXXX and please provide validation and documentation of charges listed in ledger. I  never received response back from the original creditor. On XX/XX/18 I received a second letter from original creditor stating the same as 1st notice. On XX/XX/18 I sent a 2nd letter to the original creditor legal department ( address listed on 2nd notice ) requesting validation. No response. XX/XX/18 I received a letter from hunter Warfield stating I owe XXXX. XX/XX/18 I sent a letter to hunter Warfield stating I have attempted to contact original creditor x 2 via mail, no response and requesting validation and proof of false charges made against me. XX/XX/18 I received a response from hunter Warfield with an ledger of balance breakdown, black and white photos of unclear spots on carpet. XX/XX/18 in response to hunter Warfield validation response.  I requested clear photos and proof showing that this was in fact the unit I previously resided in damaged and also provide proof of other damages listed on ledger. I did not receive pictures or proof from double coated paint charges of {$180.00}. I was charged for 11 stains on carpet and only received 6 unclear photos, I was charged for a gum stain on carpet and did not receive proof. XX/XX/18 I received a 3rd notice from hunter Warfield stating again the debt was validated, now owing a sum of XXXX with {$.00} interest added. I received the same photos from previous letter, still unclear and did not show in fact this was the unit I resided in. I still did not receive any proof of damage to walls requiring double coated paint and {$180.00} in charges. I have been receiving harassing phone calls after asking not to contact me by phone and only in writing. I have also been threatened to have my account reported to credit bureaus and listed as dispute. I do not owe this debt and feel my rights have been violated with threats of false information negatively affecting my credit report, along with reporting inaccurate information.
Product: Payday loan, title loan, or personal loan

Applied for loan an got scam for XXXX
Product: Debt collection

Credit Collection Services claims I owe an amount of {$34.00} to XXXX XXXX XXXX. This debt is from a Renters insurance policy linked to an auto policy, the auto policy is in question as XXXX XXXX is attempting to add on amounts from prior polices in which the debt is not valid, a separate complaint with the CFPB is on file about this, still no reply in re. This debt, {$34.00}, is also in question as again, it is linked to that Auto policy and I had several denied claims under this renters policy. Based on principal for denial of claims, I am also disputing this debt. Simply put, I paid XXXX XXXX for coverage and they denied two claims, would not work with me to resolve either. I do not believe I should pay them when they denied two claims unfairly and would not work with me towards a resolution. The issues with the auto policy are still unresolved, I filed a complaint, mentioned above, about additional amounts added on from prior policies. These police are as old as five years, coverage was supposed to be canceled prior to any balance generated, it was not. Further, XXXX XXXX claims CCS is their in house collections department when the number is not the same nor the address.
Product: Credit card

On XX/XX/year>, the company closed my account with no written or verbal notice to me. My app continues to say my account is active and in good standing. I have received 3 phone calls from the company since then, where they confirm that my account is active and in good standing, when I would make payments to them. I called to ask why my recent payment had not posted, and that's when the company finally diclosed to me that the account was closed in XXXX. I have not received my deposit for this secured account back, nor my overpayments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings Consumer Financial Protection Team, Since XX/XX/XXXX to date XX/XX/XXXX, I've been aggressively trying to have old and outdated information on my ( 3 ) Credit Reports ; XXXX, Equifax and XXXX   removed. Specifically, accounts that are 7 to 10 Years old or more are still appearing on my ( 3 ) reports. I have filed several disputes ( see supporting documentation ) ; opened Credit Monitoring Accounts ( see supporting documentation ), All unsuccessfully. I was advised by the Federal Trade Commission to contact your agency for assistance in resolving this ongoing issue. Your assistance in regarding this issue is greatly appreciated. My contact information is : cell : XXXX ; email : XXXX. 

Healthy Regards, XXXX XXXX, XXXX
Product: Mortgage

My mortagage was sold XX/XX/2020 from XXXX XXXX XXXX to freedom mortgage. I have an fha loan. I have been unable to reach freedom to pay my payment for XXXX. After multiple phone calls and conversations I was able to speak to someone about making my payment for XXXX. I was told by the woman at freedom mortgage the government was offering assistance to stream line mortgages to refi for a lower interest rate with no cost at all to me. Once I received the loan docs to sign freedom was actually charging me XXXX k in closing costs adding it on to the back end of my loan. When I pressed the mortgage person XXXX XXXX why I was being charged XXXX k in closing costs she stated it must be a federal regulation to put that as your escrow amount I said why cant the escrow amount be on another line and what do in owe for escrow. XXXX XXXX was unable to answer me and was happy to not assist me any longer with refi my mortgage. This clearly is a huge scam! I am so upset at being taken advantage of and had I not read the paper work I would have added XXXX k on my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX, TX XXXX and there is XXXX XXXX  XXXX XXXX XXXX, TX XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN KEEPS PUTTING NAMES THAT ARE NOT MINE THAT I NEVER USED PHONES NUMBERS THAT ARE NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove hard inquiries on my credit report and won't remove fraudulent opened credit card in my name that is now in bad standing on my report. I am a victim of identity theft from XXXX major security breaches including the major security breach from Equifax. I have put a fraud alert on my credit file report and a security freeze on my file as well. Although I had to temporarily unfreeze because iam applying to rent an apartment. I have disputed and disputed and they still won't remove the fraudulent items on my report. They say that these inquiries are intfact factual and I'm positive they are infact factual but Not by me and not because I gave my consent, they are factual because someone who stole my identity gave there consent. Please I beg you make them do the right thing and remove the negative items off my report. Thank you! 
Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/2000 Balance : {$91000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter by certified mail to XXXXXX/XX/XXXX XX/XX/XXXX regarding an account on my credit reports fromXX/XX/XXXX, XX/XX/XXXX and Experian, claiming that I owed XXXX money on an account that has been closed and written off since XX/XX/XXXX. I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have proof of delivery of my letter to XXXX on XX/XX/XXXX at XXXX. XXXX is required by law to respond to my dispute within 30 days of receipt. On XX/XX/XXXX, 31 days from the day XXXX received my letter, I had not received a response from them. On XX/XX/XXXX, I sent another letter by certified mail to XXXX, giving them another goodwill attempt to respond to my dispute regarding the claim on my credit reports that I owed them money. I have proof of delivery of my 2nd letter to XXXX on XX/XX/XXXX at XXXX. As of XX/XX/XXXX, which is 31 days from the day XXXX received my letter, I still did not receive a response from them. This is two times that I have contacted XXXX and they have failed to provide me with any proof or validation that the debt they claim I owe is valid. There has been no data reported to any of the three main credit agencies from XXXX regarding this account they claim I owe money on since XXXX, XXXX. Since I have sent them two letters of dispute, XXXX has now reported to all three credit agencies on XX/XX/XXXX that I am 30 Days Past Due Payment. This has made my credit score drop at least 8 points. Not only have they not been reporting any data for 2 and a half years, but they also did not reply to either of my disputes, nor did they send me a bill in the mail. XXXX has my current address because it was listed on both letters I sent. Along with reporting that I am 30 Days Past Due Payment, there is also a comment on both Experian and XX/XX/XXXX credit reports from XXXX that Completed investigation of FCRA dispute consumer disagrees. The disputes can not be complete when XXXX never replied to them. This company never furnished any proof or validation that I owe this debt they claim I owe.
Product: Mortgage

My home loan was sold to Loancare LLC in XXXX of 2019. My outstanding balance from my previous mortgage company was {$240000.00}. When it transferred to Loancare and after the account had been settled with my previous mortgage servicing company, Loancare has my outstanding balance at {$240000.00}. I have created a help ticket in XXXX with no resolution and I have followed up at least twice a week with no sign of resolution. I have requested supervisor/manager call backs and the call back percentage from my experience is approx 20 %. When a manager has called me back there is no resolution and little desire to correct or research the issue. This company needs to be corrected ASAP before other consumers are affected. I have not personally made a mortgage payment beyond what my previous mortgage servicing company have settled as I do not trust Loancare LLC. I have requested credit suppression and a call back from a manager which also has not happened. At this point I am considering refinancing yet again to do business with a reputable and trustworthy company that will own my mortgage for the life of the loan.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX Transunion XXXX XXXX XXXX
Product: Credit reporting

I 'm filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) on the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  auto  loan wont stop appearing on my credit for a debt. that amount was paid off by a gap insurance when the car got total lost in an accident in 2016. it was for a XXXX XXXX, the car insurance XXXX  paid 90 % of the car debt and the gap insurance covered everything else. they confirmed and sent out letter to clarify. but that company wont stop posting this.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX was hit and made inoperable XX/XX/XXXX. I called XXXX ( the financial institution who the loan was issued through ) and they told me to continue making payments until this issue was resolved with the insurance company. I continued to make my bi-weekly payments of {$200.00} until the insurance company issued them a check. The insurance company post dated the check back to initial date of loss in XX/XX/XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX i made {$1200.00} worth of payments per their instruction. Also, within that time period they reported to the credit bureaus that they repossessed my car. That action resulted in my credit score dropping XXXX points. I was never late on a payment nor did i ever miss a payment. XXXX has yet to issue me a refund for the {$1200.00} that i paid after the initial date of loss or gave me any kind of time frame as to when to expect it.