23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a XXXX woman, a XXXX XXXX  once and currently my XXXX has XXXX  and I am in the process of eliminating it with XXXX  and surgeries. In less than 6 months I have had XXXX XXXX  and taken XXXX. I am a single woman, without children or family, I work hard to survive but since XXXX when I was diagnosed with XXXX  while I had XXXX my life has been very difficult, most of the time working and in hospitals, therefore I have fallen behind in paying my Mortgage, California Relief helped me pay once, after that my payments continued and when I thought the battle was finally over, the XXXX XXXX  at the end of XXXX, the doctors forbade me from working for most of XXXX so I could have the XXXX and having my XXXX, I asked SPS to give me a forbearance and they only gave me repayment options with high payments that I could not pay because I was not working, I sent them tests from my hospital and letters from doctors and they kept giving me repayment. 

Currently I will return to work in XXXX while I take my treatment because my expenses have accumulated and I want to avoid losing my house, I applied for a modification and on XX/XX/XXXX I was approved for a repayment plan with payments of {$6000.00}, I don't even make that amount of money, I survive on a low salary and help from the government, there is no way I can make those payments and I don't want to be on the street while I continue the XXXX XXXX XXXX, please help me get a Modification with a lower payment. I have even been thinking on going to the TV to see if possible they can hear me in that way as i have sent several proof of my illness and they just ignore them.
Product: Debt collection

This notice with the CFPB serves as my written response to the CCS dated from their mailed letter XX/XX/22 that I have no knowledge of this alleged debt and request for it to to be sent back to the original creditor.
Product: Credit card or prepaid card

Credit Card application submitted to the following companies in my name : Discover - XXXX - Bank Credit Card
Product: Credit card or prepaid card

The bank that issues my credit card placed incorrect information on my credit report in the 'Remarks ' section and sent that information to all 3 credit bureaus. On my XXXX XXXX report, this error was recorded on XXXX. The incorrect information had a negative affect my credit score. 

Someone at the credit card co. was careless with the information on my account and placed information on my credit report, in error, that I was disputing the account. The truth of the matter is that the only dispute I had on my account was with a hardware store purchase that I used my credit card to pay for the online purchase. 

To make matters worse, I spoke with a supervisor at the credit card XXXX who apparently lied to me when she told me that they only report to XXXX who then, in turn, report changes to the other 2 credit bureaus. XXXX advised me of this and told me that they do not report anything to the other credit bureaus.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment o
n a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized some information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting accounts as unconfirmed information without producing proof within the legal time range is unacceptable. 
XXXX XXXX XXXX  Balance Owed : {$2900.00}
Product: Mortgage

1. The mortgage company did not disclose to me that PMI was for the life of the loan And I purchased the house. I was told that when my ratio got down to 80 % I could have the PMI removed. Now theyre telling me that the PMI is for the life of the loan. 
2. Every year, when its time to pay my flood insurance and home insurance the mortgage company makes an incompetent mistake. Ive been promised over and over that they will fix a mistake and never make it again, but the mistakes reappear every year. They either pay the flood insurance twice and do not pay the home insurance. Or they pay the home insurance twice and do not pay the flood insurance. This year they paid the home insurance and pay the flood insurance, but then send a second check for the flood payment which was returned to me by the insurance company. Their incompetence is incredibly frustrating. I do not have time to double check them constantly.They should handle things correctly and in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I have sent the credit bureaus ( XXXX, XXXX & Equifax ) a letter to remove inaccurate/fraudulent information from my credit report, and according to 15 U.S.C. Sec. 1681i ( a ), they were suppose to complete this investigation within 30 days of receipt of that letter. 
Today is XX/XX/2021 and I have yet to hear their from them.
Product: Debt collection

Credence Resource Management continues to contact me repeadly with multiple phone numbers day and night, in violation of of the Fair Federal Debt Collection Practice Act. Refuses to cease desist while repeated request for verification/proof of any docimention verifying my signature, Social Security number. An XXXX..mobile bill contract that the debt belongs to me. This account has been disputed with the credit bureaus, the credit bureaus are not verifying this debt by means of paper verification verify my signature on a contract. XXXX  will not allow me to dispute the account online, and XXXX  disregards the law pursuant to the FCRA requesting documentation that verifies there dispute by submitting me a copy of any document or contract baring my signature. A CDV ... dispute is a code sent through EOSCAR ... software, XXXX investigation is incomplete, inaccurate.
Product: Debt collection

Complaint against XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX both have have the same address of XXXX XXXX XXXX XXXX GA XXXX The companies did not properly file insurance claims causing denial of claims and are now trying to collect the balance owed and sent the bill to collection agency. Letter is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I ordered a credit report from TransUnion for {$19.00}. I thought I was making a one-time purchase of a report, but was instead enrolled in an ongoing monitoring program charging me {$19.00} per month. Since XXXX, I have received several " update '' emails about changes to me credit report, but no bills, statements, or other indications that I had an ongoing subscription with TransUnion. I have therefore been paying {$19.00} per month from XX/XX/XXXX until today XX/XX/XXXX. I called TransUnion to dispute the charge. They refused to refund the ongoing charge, but agreed to terminate the subscription immediately. 

I believe the lack of regular notices about the recurring charge is an underhanded way to keep people inadvertently subscribed to the service.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information in my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 

Recently the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include. 

Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that any disputes may be mishandled in a similar manner.

Please review the inaccurate information being reported.
Product: Credit card or prepaid card

I had just purchased a new home and went shopping at Best Buy to purchase a refrigerator and stovetop for just above {$3000.00}. I applied for an in-store credit card to receive 10 % off of my first purchase, or interest-free payment as was explained to me by the sales manager. Due to a postal service mix-up, I did not receive any bills from Best Buy, and never received the credit card for which I had applied. When I called Best Buy to inquire about the card/bill, I was informed that interest was being applied and the 10 % discount was in-store credit on future purchases. Further, the future credits were revoked since I was late on my first payment. At that time I paid the bill IN FULL over the phone to avoid incurring anymore interest. Several months later, after having no contact with Best Buy at all, I received a bill for {$450.00} for unpaid interest from a pending interest charge ( {$17.00} I believe ), compounded with late fees during the time After I had called to pay the bill in full. I disputed these charges with Best Buy, explaining how I was 1. Misled about the rewards program/discount, 2. Did not receive bills or the credit card in the mail, 3. Instructed the customer service representative to pay my bill in full unaware that there was another pending interest charge ( of less than {$20.00} at the time but eventually grew to {$450.00} ). Best Buy dismissed my dispute and charged off the account.
Product: Debt collection

Dear Consumer Adjustment Company, I hope this letter finds you well. I am writing to bring an urgent matter to your attention regarding a fraudulent collection account that has appeared on my credit report. I kindly request your immediate assistance in investigating and removing this account from my credit file.

I have recently discovered that a collection account, listed under Consumer Adjustment Co XXXX, has been erroneously added to my credit report. This account is associated with XXXX XXXX  XXXX XXXX, and I want to emphasize that this collection is entirely fraudulent and should not be linked to my credit history in any way. 

To support my claim, I have filed a police report with the XXXX Police Dept. regarding this fraudulent activity. Enclosed with this letter, you will find a copy of the police report for your reference and review. The report clearly outlines the details of the fraud and confirms that I am a victim in this case.

I am greatly concerned about the negative impact this fraudulent collection account may have on my creditworthiness and financial well-being. It is essential that this false information is removed promptly to restore the accuracy of my credit report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request the following actions to be taken : 1. Immediate investigation : I request that you thoroughly investigate the legitimacy of the collection account in question, taking into account the evidence provided, including the attached police report. 

2. Suspension of reporting : I request that you suspend any reporting of this fraudulent account to other creditors, lenders, and credit bureaus. Continued reporting of this fraudulent information would only exacerbate the harm to my creditworthiness.

3. Removal of fraudulent account : I kindly request the immediate removal of the fraudulent collection account from my credit report. This step is crucial to ensure the accuracy and fairness of my credit history.

I understand that the FCRA mandates a prompt response to consumer disputes, typically within 30 days. Given the urgency of this matter, I kindly request that you expedite your investigation and resolution process. Timely resolution of this issue is of utmost importance to prevent further damage to my credit standing and financial reputation.

Please acknowledge receipt of this letter and provide me with a written confirmation of your investigation process and any updates regarding the status of the fraudulent collection account.

I appreciate your attention to this matter and your cooperation in resolving this issue as quickly as possible. I trust that you will handle this dispute with the utmost professionalism and adhere to the necessary guidelines outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX XXXX XXXX Ga, because Equifax won't remove the hard inquiries, XXXX XXXX and XXXX  will not either. 

After cleaning up my credit in order to purchase a home, Equifax place a freez on a credit line costin me points needed to qualify for down payment assisantance, then placed a massive amount of Inaccurate Hard Inquiries, During a period of rate shopping for a home in XX/XX/ inquiries where made on my credit report. Some inquiries where duplicate inquiries. I later found that this was being reflected on my credit report. 
This is the 2nd time I have contacted all three credit reporting agencies requesting the removal of Hard Inquiries from my credit report. As a result of a failure to comply with the requirements of the FCRA, I have suffered, and continues to suffer, actual damages, including economic loss, denial of credit, lost opportunity to receive credit, damage to reputation, invasion of privacy, degraded social standing, and emotional distress XXXX XXXX XXXX XXXX NOT AUTHORIESED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX DUPLICATE INQURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX REQUESTED REMOVAL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX MULTIPLE INQUIRES XXXX/XXXX XXXX XXXX REMOVE INQURY XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX  XXXX XXXX REMOVE INQURY XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX REMOVE INQURY XXXX XXXX XXXX XXXX XXXX CA, XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. I have worked very hard in cleaning up my credit and have suffered the cost of losing bond money as a 1st time home buyer and still suffer of having to pay a higher interest rate due to hard inquiries. There are also Zombie accounts that keep being placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

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

In accordance with the fair credit Reporting act this creditor, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under ann open end consumer credit plan as late for any purpose.
Product: Consumer Loan

I was charged 30 % interest for a car loan. The car value was XXXX. I will pay XXXX for the car in total. I was never told I could lower the interest rate and the payments have been extended by 8 months. I would like to finish paying for the car now. they have gotten more money then the car XXXX is worth. This is unfair predatory lending. This is unfair consumer practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company ( Consumer Collection MN ) ( Account # XXXX ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to  subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; XXXX. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting or other personal consumer reports

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

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

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

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

I have diligently corresponded with your bureau regarding my status as an identity theft victim, yet my concerns remain unresolved. I am once again disputing the damaging fraudulent information on my credit file. Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have personally contacted the banks associated with these accounts, submitted the necessary documents, and ensured the immediate removal of these accounts from their records. It is puzzling that while other credit bureaus have promptly removed these accounts following the FTC submission, your bureau has not. I am curious to understand the verification process your bureau employed to continue reporting these fraudulent accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX