23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX Credence Resource Management posted this XXXX XXXX collections for {$1000.00} to my credit reports. I immediately called them and eventually discovered they had the wrong person. They had SSN, residence address, contacts which were not associated with me. The address was in XXXX TX at an apartment. I have never been to, lived in, or been associated with XXXX TX. I disputed with all 3 bureaus and mailed back the affidavit sent by Credence validating I was not the account owner. By XX/XX/XXXX the collection was removed from all 3 bureaus. 

On XX/XX/XXXX XXXX XXXX posted this same collection to my credit reports. Clearly they purchased this debt from Credence and either weren't provided the file showing I was not the person associated with this account or a they are purposefully ignoring it. 

I also see that either Credence or XXXX XXXX has updated my address history on my credit reports to include the debtors address in XXXX TX, despite the fact I have never been there or been associated with that address. 

Reading the numerous complaints against both of these companies, it seems it is a common tactic to use personal information gathered from affidavits swearing the debt does not belong to the person to, to update and manufacture evidence of attribution. The fact that there are thousands of complaints against these companies and yet there appears to be absolutely no punitive action is beyond absurd. 

My wife and I are trying to close on our XXXX house, and this previously disposed invalid debt appearing the week of closing has jeopardized it not allowing us to close on the original contract. 

I request no more than the immediate removal for my credit reports as well as a side letter from XXXX confirming they have updated the file for their own use and any future owner of this debt they may decide to pass this on to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXXXXXX XXXX XXXX FL XXXX
Product: Debt collection

I have been receiving numerous calls over the last weeks for a XXXX XXXX XXXX at my phone number XXXX. 

I have explained to each and every caller that ( XXXX ) I am not XXXX XXXX and ( XXXX ) he can not be reached at this number. 

But the calls keep coming. Another call was just received from XXXX. The agent finally connected me to the supervisor who gave me the company name, address and Web site. 

Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Toll free # XXXX I contacted them by email and just received the following response, even though all the information was contained in my original message to them : We are in receipt of your email dated XX/XX/year>. 

" We have researched the matter and discovered that we are unable to locate any record in our system with the information provided by you. In order for us to move forward please provide us with the phone number you have been receiving calls. Credence apologizes for the inconvenience caused to you. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  reporting/sharing private nonpublic consumer information with thrid parties, violated cease and desist that has been in effect since XX/XX/2022 XXXX XXXX, XXXX refuses to follow consumer request to opt out of all information sharing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Marriott Visa account with this bank ending in XXXX. When the account had a balance last year, I set up automatic payments for this account in order to decrease any chances of it going past due. Last XXXX, Chase reported me as being 30 days late to the credit reporting agencies. From what I can tell, this was due to Chase not processing my automatic payment for some reason or another. Chase never notified me ( call, email, text, mail, etc ) that there was a problem. Had I known this was the case, I certainly wouldve taken care of the matter immediately, which was done upon receiving a notice from XXXX regarding the late. The payment amount was only {$50.00}, which I most certainly had more than enough funds to cover. This late payment has caused my FICO score to drop significantly, since its my only late payment being reported. As a result, my credit limits on other accounts have been cut and interest rates hiked, thus damaging me further. In fact, Chase slashed my limits on multiple accounts with them, plus closed my oldest account. Ive disputed this with the bureaus already and already contacted both customer service and the executive office within Chase, but they refuse to accept any responsibility or have the bureaus remove the 30 day late. At this point, my main option left is mediation with the CFPB or a lawsuit seeking financial damages theyve caused me, which I can certainly provide documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has 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
Product: Debt collection

IC System Inc XXXX has two collections reporting on my credit, each is for the identical amount of {$180.00}, reference number XXXX, they said they received this information from XXXX XXXX XXXX XXXX XXXX in realation to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of service they report are XX/XX/2017 and XX/XX/2017, I have contacted both providers and confirmed that I don't owe them any money, IC systmem told me to contact XXXX XXXX which I did with a conference call joined by IC systmem, they said I have to provide proof these are paid and I don't have proof because the bills were paid as I received them, I asked them to call the providers to confirm that I don't owe them money and they insist I have to provide proof which again I dont have other than the fact that I don't owe these providers any money. This is causing my credit score to suffer and I'm trying to purchase a home, seems unfair that they say I have to pay this if I can't provide proof yet they will not contact the providers to confirm I don't owe money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote Experian over 20 times that it is displaying wrong name and address Issue # 1 [ Name ]  Wrong : XXXX XXXX - Name ID XXXX Wrong : XXXX XXXX - Name ID XXXX " Correct - XXXX XXXX XXXX - Name ID XXXX '' Issue # 2 [ Address ] Wrong : XXXX XXXX  XXXX XXXX. XXXX XXXX, CA XXXX - Address ID-XXXX  Multifamily. 

Issue # 3. 
A RICO company named " XXXX XXXX XXXX '' accessed my credit report WITHOUT my permission on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXXXXXX XXXX XXXX XXXX Please remove judgement and account off credit lexis Nexis and other tenant screening As i access my credit profile I see XXXX XXXX XXXX  on my account ..XXXX XXXX XXXX was accessed in a XXXX XXXX bankruptcy case XXXXi was not provided any validation information from no creditor upon this being in my credit report tenant screening this violates my information under 12CFR-1006-34 ( b ) ( 5 ) This has violated my consumer rights I had no chance of disputing and not aware of this on my credit report
Product: Credit card

After having met the terms of our agreement the account is still showing across my bureaus incorrectly and consistent inconsistencies from one bureau to the next. 

Completed XX/XX/XXXX Late Payments Error This account is incorrectly reporting that I have 7 late payments. 
On my XXXX report there are 5 late payments being reported. 

Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX XXXX Balance Closed in XX/XX/XXXX why is this active? 
Reporting XXXX XXXX XXXX Status Current Showing 120 days late as well as current Acct showing current but also a discrepancy of a XXXX balance yet also showing 120 days delinquent. 
Both XXXX and XXXX show 7 lates while XXXX shows five.

Closed account in XXXX should not be actively reporting. 

Sent XX/XX/XXXX I Previously Disputed This I have new accounts established since my disability which are and all have been in good standing and looking to scale my business ' however this account is obstructing my ability to obtain the business credit required to continue to build my business and wondering IF I can call on you to delete this from my record. I previously disputed this account stating : " This account is incorrectly reporting that I have 7 late payments. On my XXXX report there are 5 late payments being reported. XXXX Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX XXXX Balance Closed in XX/XX/XXXX why is this active? XXXX XXXX XXXX XXXX Status Current Showing 120 days late as well as current Acct showing current but also a discrepancy of a XXXX balance yet also showing 120 days delinquent. Both XXXX and XXXX show 7 lates while XXXX shows five. Closed account in XXXX should not be actively reporting ''. 

I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Debt collection

I am filing a complaint against Credence Resource Management for their repeated failure to provide proper validation of a debt they are attempting to collect, and for reporting inaccurate information to the credit bureaus. 

Details of the Issue : Lack of Proper Licensing : Credence Resource Management does not possess the necessary license to collect debts in the state of New Jersey. According to New Jersey state law, debt collectors must be licensed to operate within the state. Credence Resource Management 's lack of licensing renders their collection activities illegal and invalid.

Failure to Provide Adequate Validation : Despite multiple requests for validation, Credence Resource Management has failed to provide proper documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). They have only provided a standard account summary, which does not meet the legal requirements for debt validation. Specifically, they have not provided : The original signed contract with the original creditor. 

A complete payment history. 

Proof of assignment or ownership of the debt by Credence Resource Management. 
Instead, Credence Resource Management has repeatedly provided the same insufficient form that does not constitute valid proof of debt. This form does not address my request for proper validation and fails to meet the standards set by the FDCPA. 

Continued Reporting of Disputed Debt : Credence Resource Management has continued to verify the debt with the credit bureaus without providing proper validation. This is a direct violation of the FDCPA, 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until the debt is validated.

Impact : The actions of Credence Resource Management have caused significant stress and financial hardship by negatively impacting my credit score with inaccurate information.
Product: Payday loan, title loan, or personal loan

I have taken a loan from this company called inbox loan. The loan amount was {$500.00}. Im am being told that despite my biweekly payments. Im being charged daily fees that in order to pay this loan in full will be in the amount of {$1400.00}. 

Please help me to get pay this loan off and be free and clear of this debt. This company is obviously charging me more money that what was borrowed.
Product: Mortgage

We are in the process of closing on a house. We have excellent credit scores and are putting 20 % down. After meeting all of the conditions stated in our conditional approval the bank went to schedule an appraisal. The first appraisal was ordered on XX/XX/XXXX to be returned on XXXX XXXX. It was cancelled by the appraiser. A second appraisal was scheduled for XX/XX/XXXX. It was cancelled by the bank. A third appraisal request went out XX/XX/XXXX but we did not see a scheduled date as it cancelled almost immediately by the bank. A fourth appraisal request went out at XXXX XXXX XXXX XXXX. We talked to the appraiser on the phone at XXXX XXXX. He stated that he accepted the job at XXXX XXXX  on XX/XX/XXXX and it was cancelled before XXXX XXXX by the bank. Prior to starting the appraisal process we had no issues with the approval process. However, we corrected our loan application around XX/XX/XXXX to update one of the loan applicants race information to XXXX as it was previously noted that all applicants were white. Shortly thereafter we started to notice issues with getting our appraisal done with the bank constantly cancelling the appraisal orders. The bank is refusing to approve the loan without an appraisal even though all applicants have strong credit scores, no missed payments in their financial records, and are putting a 20 % down payment on the house which is a single address ( one household ). We have repeatedly called and emailed the loan officer and rest of the team at the bank requesting updates since we were made aware of the issues with the appraisal on XX/XX/XXXX. Additionally, we received a call on XXXX XXXX from one of the bank processing officers that our loan was on track. We asked about the XX/XX/XXXX appraisal and were told it was still on. However, the sellers realtor had talked to the appraiser and it had already been cancelled before XXXX XXXX. The loan officer at the bank claimed she first heard of the cancellation on XXXX XXXX. We emailed the loan officer on XX/XX/XXXX and she responded that she would have her manager call us with an update from a senior management official at the bank. The manager did not call on XX/XX/XXXX so we emailed the loan officer again. Two minutes later we received a call from someone who handles missed mortgage payments who knew nothing about our loan application and said they did not handle that area. We do not know for sure, but believe that race may have played a part in our difficultly in closing the loan. PNC Bank is stating that our closing date is XX/XX/XXXX. They moved our closing date prior to us even getting an addendum to our purchase agreement, when the loan officer stated that they could meet the XX/XX/XXXX close date. We have consistently told the bank that we will lose the property and that we are in the dark. No one has provided us with answers or a solution to our issue.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous XXXX XXXX and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX
Product: Debt collection

In XXXX I opened a XXXX XXXX XXXX  bought and paid as owed. Then in XXXXXXXX XXXX XXXXXXXX I got covid and missed a week of week, then XXXX was shutdown for almost a year. Couldn't pay my bills like I was. Contacted XXXX was on a plan then it went to a collection. XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX. Then I started receiving phone calls the man said he was the attorney and oh your going to pay, he was going to make sure of that, I tried tell him what was going on in my life trying to support a family on XXXX XXXX, sad he didn't care that I need to send all my money to him first, we had a argument about this for a little bit explain to him that he would be taking food out of my child 's mouth said he didn't care. I would get these phone calls for a few months then stop, then started getting civil citation for courts, now he's got a Justice of the XXXX XXXX XXXX out of XXXX XXXX. A lawsuit against me for the {$3600.00}. The lawsuit says that it will garnish my wages or sell my property my vehicles whatever to pay the debt and he's had people come out to my house serve me papers when I'm sitting in my car trying to get ready to go to work this threatening show of force and calling me harassing me almost all day long and I work nights I have to turn my phone off during the day so I can sleep scared to death my vehicles will be towed off won't have a ride to work or he's threatened to come up to my work to serve me papers. I've contacted the original owner of the loan Advent to try to settle with them because I do not trust this debt collector I feel like I would never pay off the debt and I would be in debt with him forever they said that they sold the account to The Collector I made about emails to them about the situation at hand and they said that they will call me to talk to me about options I haven't heard from him yet. Scared to let my family outside to play to do things in the front yard thinking that somebody's going to come up and serve them with paperwork or say something to him something not for sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, the following business has violated my rights. 

15 USC1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan for a purpose. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a conn 's account showing on my XXXX credit report. This account has a first delinquency date of XX/XX/2016 THis account was removed from my credit report and is now showing on my credit report again. this account needs to be removed immediately balance showing on Credit report is {$6500.00}
Product: Credit reporting or other personal consumer reports

Hello, I recently reviewed my credit report and I noticed there were some unauthorized hard inquiries that I did not authorize on my credit report. I'm requesting these inquiries on Transunion be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks for your time!
Product: Credit card

I granted JPMorgan and Chase a financial asset ( a security ) in return I expect to receive the credit card receivable in 7-10 day, but was given a misleading denial.
Product: Credit reporting or other personal consumer reports

I noticed multiple errors on my credit report regarding late payments, which dont align with my usual payment behavior. Kindly review and correct these inaccuracies. Thank you!
Product: Debt collection

Keeps changing opening date and reporting acct as a new collection when is is from XXXX. 



CREDENCE RESOURCE MANAGEMENT # XXXX XXXX XXXX   XXXX XXXX , MI XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1800.00} Date Updated : XX/XX/XXXX Original Amount : {$1800.00} Original Creditor : XXXX XXXX  Past Due : > {$1800.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has 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.