23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business  ( s  ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since  XXXX    XXXX   with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from   XXXX  , Equifax, and  XXXX  with no success. They have refused to update information. Accounts to be removed :  XXXX  # :  XXXX ,  XXXX   XXXX   XXXX  # :  XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX  # :  XXXX . Please remove all non-account holding inquires, all addresses except my current address of  XXXX   XXXX   XXXX   XXXX , IL  XXXX . These aliases reported are not my names and need to be removed :  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX
Product: Debt collection

My XXXX closed 2 yrs ago and XXXX XXXX paid a claim in my bond. This debt was assigned to a third party collection agency JOMAX RECOVERY SERVICES, since I could not paid $ XXXX/mo as XXXX requested. 
JOMAX recovery contacted me through XXXX of its managers XXXX XXXX XXXX. This lady has been very rude and disrespectful to the point of getting me in tears with her threats and name calling. I finally was able to pay this account off and now she is not willing to provide a letter stating that the account has been paid in full. I know I have the right to obtain a letter in writing stating that it has been paid in full. She is not willing to cooperate providing this letter, instead she refers to a receipt that was sent on XXXX/XXXX/15 which does not reflect the actual amount paid to JOMAX. There are important reasons why I need to have this letter with me now. The institutions I work with DO NOT ACCEPT receipts stating a cero balance, THEY NEED A LETTER. I never had a situation like this where it is so difficult to communicate with a company through their agents, XXXX did not follow any fair act federal regulations. The way she treated me over the phone for the past 2 years has been very frustrating, I owed them money and I did not complaint about her calling me names and hanging up the phone on me every time she called me. I have been nothing but understanding and respectful but a year ago I decided not to speak to this person anymore, I requested to speak to a manager and every time I tried her manager Jomax says that XXXX is the only XXXX authorized to talk to me about this issue. I paid this account off with a lot of effort since my business closed I had to pay this and other big debts instead of filing for bankrupcy which was not an option I wanted to take. I am just requesting a letter stating that this balance is paid in full so I can take it to my bank to get a line of credit since my bank hold funds for me to help me with the secure credit card I have now for another business. As you can see the fact that this lady is difficult even to provide a final written statement ( letter ) of my account which is showing as a judgement in my credit report is affecting me. I was expecting this letter so I can provide it to my bank and my bank can release the funds for me before christmas. I guess I need to keep under this lady XXXX XXXX 's demands and unfair treatments, taking advantage as her position in JOMAX RECOVERY SERVICES. No respect was shown to me since the beginning. I have worked as a collection agent before and I have never treated people the way she treated me, I am a business owner with rights even if I owed XXXX money before. I am attaching copies of the emails this lady XXXX sent me. Apparently she has time to email back and forth with no resolution, but no time to type a small letter stating I paid it in full. I wish that this does not happen to anyone again, I took the time to call and set up a complaint because I know this will help other people dealing with this lady in the future.
Product: Mortgage

Loan Number XXXX This complaint is involving WSFS Bank XXXX XXXX XXXX, XXXX, DE XXXX a second loan that was closed in XX/XX/XXXX for {$65000.00} with no prepayment penalty. Per my last statement dated XX/XX/XXXX my principal balance is {$620000.00}. Due to the high interest rate of the predatory loan at a XXXX. I looked at the option to refinance to a lower rate. I requested a payoff statement to refinance to a much lower rate. At the height of the covid19 pandemic I had a mortgage deferment of 6 months. My monthly payment for the loan is a total of {$490.00}. The breakdown is {$340.00} interest and {$140.00} principal. I resumed monthly payments earlier this year. The account is current on my behalf. The only payments that I should pay is 6 months of regular payments. WSFS is charging me a lot of extra interest fees, satisfaction fees, etc. When this loan has no prepayment penalty. This is predatory lending at its worse that continue to devastate our communities.
Product: Debt collection

This has been going on for over two years. I have been harassed with phone calls emails from them hiding under other emails after cease and desist over and over They even created an email account pretending to be my cousin, not knowing that the famous quarterback was my cousin trying to get in contact with me, send me Scam emails that trace back to them. I can prove all of this. I have asked them to cease and assist several times and only communicate with Me via Postal Service as I want proof of this debt because I dont believe I owe it.
Product: Debt collection

In XX/XX/2018, I received a notice from CBM Services , Inc. stating that I owed an outstanding debt to one of their clients. I sent a debt validation letter requesting them to provide me with all documents pertaining to said debt and their authority to collect it. CBM Services , Inc. failed to comply with my request, which is protected under the Fair Debt Collection Practices Act. CBM contacted me again, by phone and by mail, insisting that I pay off the collection amount without verification. I sent a certified letter to them explaining that they had not validated the debt and to cease any further contact with me. The day that they received my request, they called me. They have continued to call and send letters despite my written request for them to stop. They also have never been able to validate the debt they claim to be collecting.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of late payments on my XXXX account. XXXX has already updated this account to reflect never late due to XXXX system errors that caused the reporting inaccuracies. I request that you follow suit and correct this error promptly, as it is negatively affecting my credit score. 

As outlined under the Fair Credit Reporting Act ( FCRA ) and reinforced by cases like XXXX XXXX XXXX XXXX, credit reporting agencies are obligated to ensure the accuracy of consumer reports and correct any errors swiftly upon discovery. Additionally, the CFPB has documented issues with Experians failure to adequately investigate disputes in the past, which has led to lawsuits and complaints about mishandling credit inaccuracies. 

Please conduct a thorough investigation and update my account to reflect accurate information, ensuring it reports as current with no late payments. Attached are any relevant documents to assist with your review. I expect confirmation of the resolution of this dispute within the FCRAs required 30-day time frame.

Thank you for your prompt attention to this matter.
Product: Mortgage

This complaint is in response to prior compliants closed by the CFPB that were not resolved. Reference complaint numbers are XXXX and XXXX.
Product: Debt collection

Debt collector claims I owe them a debt that they ca n't verify is there 's. They ca n't provide proof of documentation or ownership towards the debts. Never have signed a contract with them saying I owe them an x amount of dollars.
Product: Credit card or prepaid card

On XX/XX/2016, I opened an credit card account with American Express. The initial available credit for the account was for the sum of {$1000.00}. Despite the well management of the account ( no late payments and usage under 30 % ) the account has yet to be awarded a single credit limit increase. In fact, I have requested through the years at least seven credit limit increase from American Express none of which have been approved. I was recently offered an account upgrade which qualified me for an cash preferred account which I accepted, however, I was surprised to see that the credit limit was kept the same. I been a loyal customer to American Express and I have fulfilled my end of the contract by making my payments on time and using the account responsibly. I feel that I am being discriminated. Furthermore, such action violates my civil rights under any credit granting act that allows me to make use of credit in similar conditions to other borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$940.00} XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I received counterfeit clothing, when I tried to make a dispute, discover was no help to me at all. Discover asked me for a second opinion letter in which I sent them a screenshot of a email from XXXX saying the item was fake/ counterfeit. Discover was still no help to me even with the provided documentation.
Product: Vehicle loan or lease

Santander Account number XXXX. I tried to buy a car on XX/XX/2020 everything was good ready to print documents to buy the car however Santander showed on my credit report that I owe them money. From the dealership I called Santander to find out what was owed on the account and why. The amount owed on a loan is {$880.00}. I was told the balance due is a result of the insurance company XXXX, gap insurance and a warranty payment being paid late. I called again on XX/XX/XXXX the agent explain to me the balance due on the account is from late payment and interest charges. I requested a copy of a full statement of my account showing payments that were made. I received a statement on XX/XX/2020. I called Santander to discuss the payment that they showed that is due on the account. The XXXX explain to me that I had to pay the balance due in order to close the loan. Since this is showing on my credit report I can not buy a new car until it is paid. I borrowed the money to pay the balance owed off 2 Santander. I am on XXXX I don't have much money per month and can not afford expenses like this. I have used car insurance in the past and have had no problems with gap insurance satisfying the loan to show a XXXX  balance. I believe Santander is charging me for things they should not. Please have this resolved please help me get it resolved I need help my XXXX affects my thinking and I need help to resolve this. I need to buy a new vehicle and can not do so until this is removed from my credit report. Since this is shown on my credit report it has pulled my score down very low. I have worked hard to maintain a good standing with my credit and this has ruined it.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission and also filed a Police Report on my local police department. 
The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which has been mistakenly existing on my report for over five years.

But somehow, this fraudulent account is still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent account since the submission of the required documents. Additionally, I have reached out to the bank associated with the fraudulent account. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are both reporting that a paid satisfied account is reporting charged off.
Product: Debt collection

Step 1 : What is this complaint about?

My Privacy has been violated.

Step 2 : What type of problem are you having?

HIPPA Violation Step 3 : What happened? 

On XX/XX/2021, I received verification of a medical debt from collection agency, Medical Data Systems Inc., which included my private medical records detailing services I received as a patient. I did not sign a HIPPA release form authorizing XXXX Hospital to release these private health documents to Medical Data Systems Inc. 

Step 4 : What company is this complaint about? 

XXXX Hospital
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a violation on a background check that wad well over 7 years. They processed a background check disclosing a charge from a XXXX  almost nine years old the background information came from XXXX XXXX XXXX XXXX. The arrest was from XXXX with a XXXX set aside and is still being reported on a background check to checr for the company XXXX in XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>. XXXX XXXX XXXX. XXXX XXXX with XXXX XXXX ( XXXX ) said that they will only do a soft pull on my credit report. On XX/XX/year> I got alert from several credit reporting agency, XXXX XXXX, My Banks that i had a Hard Pull and my excellent credit when Down. I did not authorize a hard pull. I confirm with XXXX XXXX and XXXX and he said only a soft pull. The hard pull must be removed from my credit reports ( XXXX, XXXX, XXXX ) Immediately. The company that XXXX XXXX  Used to Pull my credit report was Informative Research on XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX # NMLS # XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone XXXX XXXX XXXX Informative Research Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 hard inquiries from Volkswagen credit on my XXXX  report provided by XXXX XXXX. Two from VW credit on XX/XX/19 and XX/XX/19, and one from XXXX XXXX in XX/XX/19. I only applied for one loan so I would expect to only have 1 hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft TD BANK N.A. Date of inquiry : 05/06/2020
This is not mine. 4. Identity Theft TD BAN K N.A. Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft XXXX  XXXX CHR  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XX/XX/XXXXDate of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit card or prepaid card

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( XXXX ) and you assume civil liability pursuant XXXX XXXX XXXX XXXX ( XXXX ). Synchrony Bank has violated my federally protected consumer rights by taking adverse action against me Pursuant XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Sagestream LLC was used for a credit inquiry from XXXX XXXX. They sent a rejection letter with information that looks incorrect as the reason for the denial. 

I can not request a copy of my report, freeze my credit report with them or file a dispute with them regarding the incorrect information without submitting a photograph of my driver 's license, social security card or passport. 

I REFUSE TO SEND COPIES OF PRIVATE AND PERSONAL IDENTIFICATION DOCUMENTS TO A COMPANY THAT I HAVE NO AFFILIATION WITH, HAVE NOT DONE BUSINESS WITH, DO NOT WISH TO DO BUSINESS WITH, AND IS IN THE BUSINESS OF COLLECTING PERSONAL INFORMATION ABOUT PEOPLE. 

They did not need any of that information to provide the report to XXXX, they should not need that information to provide the information to myself. XXXX, XXXX  and XXXX  are all able to provide this information without requiring me to send an unknown company pictures of my identification. 

I'd also like to note that the Consumer Financial Protection Bureau website that I am submitting this complaint on does not require the level of information to submit this form that Sagestream is asking for. They can verify my identity with the last four digits of my social security number, date of birth and name when submitted from this form, but they can not do this on their own website? They can not use the reference number on the rejection letter as an additional check for security instead of requesting photos of my identification? I very strongly feel that Sagestream is trying to make this process as difficult as possible for consumers to complete.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below are the accounts that I am disputing : XXXX XXXX  XXXX and XXXX XXXX XXXX
Product: Debt collection

On  XXXX , at  XXXX  our office received a call from Sun loans looking for former employee. I said no such person here, please remove our number. On  XXXX  at  XXXX   XXXX , I notice a missed call from Sun Loans. I call back at  XXXX  and ask again to be removed. The agent replied, if we come across the number again we will ignore it. No, you are reached a local union hall please remove our number. We do not have contact information on the person that you are looking for. Agent repeated themselves. I asked for their supervisor. Supervisor was just as rude, repeated what agent said. I became upset at this point and started cussing. I no longer wanted to hear that they might or might not remove our number. I hung up on them. At  XXXX  the supervisor called back asking to speak with my supervisor. Since I am the office coordinator, I said speaking. I told her that I am on their website lodging a complaint against her. She became very rude and unprofessional. ( which i noted in my complaint ) I hung up on her again.  XXXX  then contacted  XXXX  council office to lodge a complaint against me. Which after a conversation with my peer at this office, we laughed and wished each other a good day. I then lodged another complaint against her on sun loans website and contacted the number listed demanding that she be fired for unprofessional-ism and unfair business practices. There is no reason that our local union hall should continue to be contacted when we have asked repeatedly to be removed from their calling list.
Product: Debt collection

Debt Validation was not verified by Debt collector Synerprise Consulting is in violation of the FCRA XXXX FTC reporting laws
Product: Credit reporting or other personal consumer reports

XXXX has not answered my original question. XXXX shows the mortgage with Chase as closed. However, I am being billed for a Chase mortgage that was closed according to XXXX in 2015. I have attached all documents provided by XXXX. Please investigate this company is dealing in bad faith.
Product: Checking or savings account

No fee checking account opened on or about first week of XX/XX/2019. Discovered today that an analysis service charge fee has been charged monthly to my account. I have no idea what this charge is for and this charge was never disclosed to me.