23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$520.00} ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$7800.00}
Product: Credit card or prepaid card

XX/XX/XXXX and XX/XX/XXXX I found XXXX charges on my Citibank thank you statement that looked odd. I called Citibank XXXX on XX/XX/XXXX after I got my statement and before the drop dead date for paying XX/XX/XXXX. They didnt help me but I figured out the two bills were from two companies I had never dealt with before and were 3rd and 4th party contractors to two companies I had dealt with before. Citibank disputed the two charges and added a third one I didnt know about yet. I called back and un-disputed the charges and to make my payment in full. The foreigners who dont understand XXXX and act for Citibank in the XXXX  did not understand, said it was too late, they cancelled my card and I could not make payments. I wasnt late then. On XX/XX/XXXX XXXX I called back to make the payment and they said I still couldnt. They were busy transferring data from the old card to the new card. They said try again XX/XX/XXXX. On XX/XX/XXXX I became late but not my fault. I still could not make a payment. Citibank said try XX/XX/XXXX. I was finally able to make my payment XX/XX/XXXX. Then my XX/XX/XXXX statement shows delinquent penalties and interest. Citibank took those off by an XXXX and I paid {$1900.00} in full XX/XX/XXXX four days before the drop dead date XX/XX/XXXX. Then Citibank came back at me with {$41.00} min payment due on XX/XX/XXXX or they send me to collections. And the credit bureaus are notified. XXXX Citibank due was {$81.00} but not XX/XX/XXXX ; on XX/XX/XXXX so I paid XXXX in full. XXXX Citibank charged me again for XXXX. And for XXXX for the one they disputed and I didnt. But neglected the new charge of XXXX. So they said I owed XXXX. I actually owe {$85.00} because of all the pluses and minuses. So XXXX. I called Citibank 10 times. I talked to 2 XXXX  and 8 XXXX. The two times I talked to Americans I got my late charges reversed and a payment made. The rest of the time I hit a blank foreign wall. When I ask for an American and I did I want to be transferred to an American ; not sent to a person who cant understand me and I cant understand them. It should be illegal for banks to use foreign workers to do their business. No wonder were in the financial, military, trade, and data messes were in. They would not let me make my payment today. They kept insisting on {$120.00}. I owe {$85.00}.
Product: Debt collection

I had to chose something for " What describes your problem '', to move forward.That is not my problem.Select portfolio is at it again. Yesterday I was contacted by one of their debt collectors looking for payment. I advised the person that I had submitted ALL the documentation needed ( required ) to " ask for some help '' ( deferment ). I was laid off XX/XX/XXXX. This debt collector was unprepared for this ( they just called to collect ). After 5 minutes I got very irate as the person started saying things that weren't correct. I faxed everything I was told as needed for help on the XX/XX/XXXX. My bank statements, the acceptance letter, a quit claim deed ( showing my wife transferred ownership to me ), proof of residency and the 4506 t. First I was told SPS had received only 2 documents? It goes downhill from there. The debt collector did find all the documents but that's not my complaint. The person ; after making many miss statements, told me that my last correspondence with SPS was on XX/XX/XXXX. The person I spoke to on XX/XX/XXXX asked me if I " wanted to discuss the documents needed '' and I said NO. Not true. This debt collector then recanted and said I was told by so and so what documents to send. The debt collector confirmed the documents were received the next day. Now I'm told I need to resend additional documents ; " one not mentioned to me in the past '' ( copy of my XX/XX/XXXX tax extension ). I alerted this person that in a past phone call I alerted SPS I had filed an extension. I was told by a prior debt collector, '' no problem just send the XX/XX/XXXX''. Why does the XX/XX/XXXX and XX/XX/XXXX returns even matter? I'm asking for help because of unemployment now. Prior tax information is not relevant At the end it got funny. This debt collector said Oh well I called you because you wanted help. I said NO you called me to collect payment. Enough said? The same XXXX still goes on. I provided overwhelming proof of my current situation but SPS is intent on hassling people. Ironically the day before I received a letter from SPS as why they couldn't move forward. I needed additional documents. Nothing about needing the XX/XX/XXXX extension.You would think from XX/XX/XXXX until yesterday XX/XX/XXXX : ONE someone could have called me and TWO the process would still " would have been held up '' as the letter I received did not ask for the XX/XX/XXXX tax extension info...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Portfolio Recovery Associates to provide proof that they are licensed to collect in my state ( Florida ) but instead they said that they investigated my dispute. This is not a dispute but request to provide proof of Florida license.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was placed with collection agency ( Quantum Collections ( XXXX ) XXXX ) for {$750.00} by XXXX XXXX XXXX XXXX ( XXXX ). This account was settled and paid in full directly to XXXX. Quantum Collections merged/was sold to XXXX XXXX XXXX ( XXXX ) XXXX ) and XXXX XXXX XXXX now shows the erroneous/paid off debt while Quantum is reporting the same, duplicated account. Phoned Quantum ( which is now XXXX XXXX ). They stated they were aware of the duplication of accounts reported and they are working to correct. I asked them to remove their accounts as they were duplicates and because I have settled/paid in full direct with creditor. They said I should call XXXX to correct.
Product: Credit reporting or other personal consumer reports

I am contacting Transunion in regards to the recent response to my CFPB Complaint # XXXX. I will now be seeking damages and will be hiring a lawyer as I have made several attempts to have the account removed ( XXXX XXXX XXXX ). By Law, Transunion has not properly provided verification of method of verification. This is well over the 15 day window allowable according to FCRA. I will be seeking damages and reporting this to the attorney general and seeking damages as this is a violation of my rights.
Product: Consumer Loan

1. misleading billing. on the bill received via USPS mail it shows a total amount due on XXXX XXXX, 2016 as {$280.00}. Their website shows a total amount due as {$370.00}. They charge a late charge of XXXX even when the amount due is received on time. 
2. I want them to bill me correctly. If the amount due on the XXXX of each month is {$280.00} or {$370.00} let the hard copy bill reflect the correct amount. make sure the amount due on their website reflects the correct amount.
Product: Credit reporting or other personal consumer reports

This is a formal supplemental complaint regarding the collection account reported by Radius Global Solutions [ complaint no XXXX ] which continues to severely impact my credit profile. I submitted a dispute and request for validation, yet XXXX failed to provide any valid documentation proving their right to collect or report this debt. Instead, they issued a generic interim response on the 15th day, which appears to be a stall tactic rather than a good faith investigation. 

This is unacceptable and a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). XXXX is not the original lender. I never signed any agreement with them, nor did I authorize them to report on my credit profile. They have provided no contract, no itemized billing, and no chain of custody for this alleged debt. Their continued reporting, despite this, is not only unlawful but is actively harming my financial life. 

The presence of this unverifiable debt, alongside other inaccurate and disputed accounts, is crippling my ability to access housing, refinance my auto loan, and qualify for basic credit. My credit score is being unjustly suppressed by entities who are not fulfilling their legal obligations to verify information before reporting.
Product: Debt collection

On XX/XX/2020, Portfolio Recovery Associates, LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Portfolio Recovery Associates, LLC has violated my rights as a consumer and now I request legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged Account. The status is reporting late along with showing a monthly payment on a CLOSED account. I find that strange since I don't recall being late. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well different open/close dates. Doesn't this go against the FCRA Laws?
Product: Credit reporting or other personal consumer reports

PAID IN FULL FOR DELETION AS WELL AS REQUESTED-Mailed Certified XX/XX/year> Todays date Wednesday, XX/XX/XXXX No response. Please remove. 
The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically. 
This information will help you recognize whether the debt is yours and, if not, how to dispute it. 
This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to o It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing to formally dispute the accuracy of a charge-off listed on my credit report, as I believe it is incorrect and must be corrected or removed in accordance with Section 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX Account number XXXX Date of Charge-Off XX/XX/year> charge-off is inaccurate 15 U.S. Code 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies can not include certain information in consumer reports, including accounts that have been charged off or placed in collections I have included copies of documents that support my claim Please conduct an investigation into this matter and correct the charge-off entry accordingly. This account have been removed from other agencies its in-possible for this account two be verified Thank you for your time and attention to this matter. I look forward to your prompt response. 
This account was removed from my XXXX credit report due to violations of FCRA requirements. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I believe the accounts are invalid. TRANSWORLD SYSTEMS INC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the accounts to be removed from my credit & their records TRANSWORLD SYSTEMS XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The merchant : XXXX XXXX XXXX XXXX XXXX This account was an account I held jointly with my former wife, XXXX XXXX XXXX XXXX who is now deceased. She was responsible for maintaining this account for use with her small business. This account should not be on my credit report and I should not be held accountable for the delay in payment. During this time, XXXX XXXX fought XXXX XXXX until her demise on XX/XX/2019 and had difficulty keeping up with tasks such as paying bills and tending to her business.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against SEQUIUM ASSET MGNT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

I was charged interest on a recent credit card statement of XXXX which was onerous given that I had sent XXXX checks in the same envelope for the entire balance minus XXXX. XXXX check was for XXXX and the other check was for XXXX. I had made an error in my math as I normally pay in full which is why I noticed an interest charge. Given there was only XXXX balance remaining I was mystified that I could have accrued XXXX interest charge. After much repetition of their policy of charging interest on the average purchase balance I finally got the supervisor to tell me how that average purchase balance was calculated in my case. They applied the check of XXXX and for whatever reason, tho they posted having received the XXXX check as well on the same day, it was not included in the adjustment to my balance owing. Meaning, they calculated interest on a liability they did not have as they calculated it as tho the XXXX had never been received, tho it is clearly posted. They immediately credited me back the interest, but I was upset for all the people less fortunate than I who could have been unfairly charged, or do get unfairly charged all the time. Isn't it fraud to charge interest on a liability they did not have?
How could they do this? The resolution is not my being credited----they did that. Resolution for me is having someone explain to me how this is not fraud. And who and how and what gets to decide to credit the XXXX and not the $XXXX----if they were only going to credit one check before calculating interest, is it legal to only credit the check with the smallest amount paid in? What's up with that? The whole thing screams of fraud to me and made me sick to my stomach. Again, I am blessed and have the resources to pay in full and get "credited" when something snarky is done as I am a good customer, but what about all the others who are not so blessed, nor persistent, or just plain careful when they read their statement?
Product: Student loan

In XXXX, XXXX, Navient sent me an update of my loans status. I had XXXX loans at that time. I had monthly payments of {$82.00} for the months of XXXX and XXXX, XXXX and the payments were to reduce to {$47.00} starting in XXXX, XXXX to XXXX XXXX XXXX. On XXXX/XXXX/XXXX they sent me a congratulatory message because I had paid off XXXX of my XXXX loans, and a couple of days ago they sent me another statement listing the XXXX loans that I need to continue paying. The shocking thing is that my monthly payments have increased to {$100.00}. I am supposed to make these monthly payments to sometime in XXXX. I called them yesterday, XXXX XXXX, XXXX seeking an explanation why my monthly payments have increased yet I have paid off some of my loans. The gentleman I spoke with gave me a very unsatisfactory answer stating that my loan terms had changed. He could n't explain why yet I have been making my payments faithfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX/Account XXXX and XXXX XXXX XXXXXXXX Account XXXX on XX/XX/2021. The reason why I'm disputed these account is because they are reporting inaccurate on my credit report. Yet Experian has done nothing to change this. I dispute these accounts 4 times and still got no change. Experian say its verified but I provide the correct information several times that is not correct. Activity is reported after these accounts were closed. This is a violation of the law and is incorrect on both these accounts.
Product: Mortgage

I have contacted Stearns Lending multiple times to get my escrow adjusted to reflect a property tax exemption from my county. First, it was to see what information was needed in order to adjust it. I submitted the questions through the online contact form. I received an email confirming that the request was received, however, I never heard back. I called in after waiting the requested 10 business days and was told that the county needed to send them a form. When I asked for the form, they said that the county is the one who has it. I called my county who had no clue what is was but offered to write a letter confirming the property tax exemption on the property for my service XXXX veteran husband. This letter included all the information on my property including the estimated tax bill for 2016. 

On XX/XX/XXXX, I submitted this letter through the same secured form online and got a confirmation that they received my request and it asked for XXXX business days to review and research it. On XX/XX/XXXX, I called in because I again never heard a response from the company. I was told that they denied my request for Escrow Adjustment because I did n't submit an actual tax bill. When I explained that tax bills do not get issued until XX/XX/XXXX, they said that they can not go off of the county 's estimated tax bill. I questioned this because they are currently withholding the escrow based off an estimation and not an actual tax bill. The answer was still no, they would not adjust my escrow based off of my tax exemption. This puts a large strain on my monthly cash flow because the difference in escrow is about {$150.00} a month. 

I also questioned why I was not informed that the request was denied. I literally had no communication back from Stearns lending after I submitted the request. I was told that I submitted the wrong form. I questioned how that was possible considering that I used their form online. I never got a clear answer. The agent I spoke with was agent # XXXX. I 'd love someone to review this call because it truly was bizarre. 

I 'm appalled that a company who is holding VA mortgages is not more familiar with tax exemption available to XXXX Veterans. Also, this is the not first time I 've had issues getting my escrow adjusted. When I switched insurance policies, I had to submit the request 4 times before it actually was done. Each time I called, I was informed that they never received the information. There is a systemic issue with bad service and communication at this company.
Product: Credit reporting or other personal consumer reports

After completing FTC, Identity theft report, and police report, chief inspector complaints. XXXX, XXXX and Transunion still have not removed the second identity causing a conflict when pulling credit on report. I have included screen shots of public record request of which is searchable showing that there are NO public records but yet there is one on my credit report. I have called capital one as well and they do not have any credit cards that are reporting collection on my credit report nor have they been reporting anything underway social security number. When I called XXXX they could not provide an explanation and refused to transfer this issue to the fraud department as a complaint for interdepartmental fraud, meaning that it is one of their employees causing the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.