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

XXXX erroneously reported to Experian that I failed to pay a debt timely. This resulted in my credit score dropping from XXXX to XXXX. I have submitted several notices of dispute imploring Experian to do a proper investigation, which they haven't done. Further, now my Experian report reads that the debt was settled for less than the full amount. This is untrue. Despite filing XXXX additional disputes, Experian hasn't corrected their error. ( As soon as I learned of the {$100.00} outstanding balance, I called XXXX and asked why they didn't simply charge the credit card on file -- no answer was given. I directed them to do so, and the debt was paid in full TIMELY. The account is still active. )
Product: Debt collection

On XX/XX/21, I placed a phone call to IQ Data International Inc to discuss the information reported on my credit report. I requested to have a bill mailed to me since I have never received any type of written documentation from this company. XXXX, the manager, informed me I owed more than the amount listed on my credit report, to which I again requested something in writing. I stated I want something in writing so I can MAIL my payment and he still refused and stated that I have to make a payment over the phone. He was very rude and made it very clear he was not going to make it easy to pay off this debt. I requested all communication be through Mail.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my XXXX credit report I have a missed payment XX/XX/XXXX. I've never had this and just recently had the company remove a late payment XX/XX/XXXX and yet it is still reporting to XXXX only. Between the 3 credit bureaus all 3 have different reportings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized credit inquiries on on credit report through Transunion that I did not authorize nor have knowledge of requesting with my approval. I have attached documentation of all inquiries on my report.
Product: Credit card

On XX/XX/year> I paid off my balance in the amount of XXXX on XXXX I was charged XXXX for Interest Charge on Purchases. I simply want to know why I was charged as I did not purchase anything after I paid my balance off. I have been on hold for over XXXX hours waiting for someone based in the US to assist me. I have used the comapnies secure message center to send emails, I emailed the CEO I have filed a XXXX complaint also
Product: Student loan

On XX/XX/18 I logged into the Navient website to explore options for reducing or delaying repayment, as I am having financial hardship. Almost every link that I selected to either get contact information to call/email Navient, search for forms, or view repayment options gave me an error stating the page was not found. It is disheartening to deal with a a servicer that does not have a more streamlined way of keeping the communication open with it's customers. I am sure if my payment is late to Navient and this is the reason, they still will not hesitate to report to credit bureaus even though it is their fault I am unable even to retrieve a phone number from their website. I am attaching a document showing the page error.
Product: Debt collection

I have tried to offer a fair settlement to this account based on what I could afford. They are really mean. They refuse to even discuss it. They yell at you on the phone and the last girl said she was going to tell them to take legal action even though the debt is old and out of statute. Bottom line, they refuse to work with consumers. They would rather get nothing and continue to hurt consumer credit if you can not afford to pay them the full amounnt.
Product: Credit reporting or other personal consumer reports

It has been discovered in my research with 3 credit bureaus, the law 15 USC 1681 section 602 -604 and XXXX that violates citizens privacy rights. XXXX XXXX XXXX and others are reporting false inaccuracies into my privacy rights during times where Ive placed freeze holds on all 3 credit reports bureaus. I have never given authorization or consent to share private information for these business owners. End excessive marketing my good name for promotional purposes content i.e. advertising investors, traders insurance brokers like XXXX XXXX etc. Its against the law for them claiming false narratives that affected my credit reports as well as dropping the score via XXXX XXXX XXXX score propriety. This is a violation of civil rights. These people caused distress affecting my reputation and disrespected my liberties in retirement. XXXX XXXX XXXX and Experian credit match made inaccurate statements to creditors banks lenders that resulted in damaging credit files exposing number of days delinquency when payments were on time ; and too few accounts currently paid as agreed ; length of time revolving 2 accounts balances late payments w/XXXX XXXX derogatory events ; bankruptcy information ; delayed scheduled payments, retail utilization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached identity theft affidavit. Last and final warning to delete and remove said items from my credit reports.
Product: Mortgage

Every time I talk to this company I get harassment and berated before they will accept any payment. I have asked them to stop calling me numerous times, and they continue to do so. I have also requested to not deal with their employee XXXX and she continues to call me.
Product: Student loan

I have been trying to work with Navient the past two years in trying to get my payments lowered on my account, I have over {$150000.00} in debt and they are no help. When I first called about the situation all they did was just tell me to get a forbearance because they said thats all I could do .. I called a couple of months later and they in XX/XX/2018 and the told me I could get lower payments after I made 3 payments of {$530.00}. So I set those payments up and in the process of it they brought my account current with a disaster forbearance which they have done multiple times and with request to remove them They said they couldnt do that ... I then called almost everyday to see if I needed to keep the payments on file or would I be on the program or I dont, I was told multiple times that I would be fine and in the program and every representative I spoke with told me it was fine because I had other bills and expenses to pay. When I came off of the forbearance I was not in the program and they told me that it was my fault and I didnt do the payments they told me to. I told them to review the accounts and the calls and they told me they didnt which I know they didnt because they claim I havent talked to anyone which I know I did and my fianc has been with me every call I even spoke with a manager. I do not feel as though my situation would be as bad if they would have helped me from the beginning. They have called me 6 times a day before harassing me everyday and I could be on the phone with someone and here they go calling. I have been giving forbearances when I advised them I cant afford the payment and they tell me thats all they can do ..
Product: Credit card or prepaid card

I had a credit card through Comenity for a medical procedure. I paid my account off in full on XX/XX/2019. In XXXX, they charged me {$23.00}. I emailed to simply ask what the charge was. I was told that it was an error and would be refunded to my account in full ( resulting me back to a {$0.00} balance ). This did not happen. I emailed several more times and had to eventually call them in early XX/XX/XXXX and speak to 3 different people, up to a manager. After all this, they explained that the charge actually was not a mistake, it was the interest accrued from the time I was billed in XX/XX/XXXX, until I paid it off later that month. However, the manager said that since I was told it would be refunded, they would honor it. I was very clear with the manager and asked if I would continue to be charged, and she told me no. I would have a {$0.00} balance and there would be no additional charges. By this point, with additional interest and late charges, there was an additional {$27.00}. It was finally refunded on XX/XX/XXXX and I was back to a {$0.00} balance. Then on XX/XX/XXXX, I was charged a {$2.00} " minimum finance charge '' again. I started again emailing them and after several emails back and forth, they keep telling me that since I had a charge on my account XX/XX/XXXX, that there is a minimum finance charge. No matter how many ways I explain to them that the charges were incorrect and refunded, and that I should have had a {$0.00} balance, and for them to read the notes on my file, they continue to charge me.
Product: Debt collection

XXXXSynchrony bank offered me a promotional purchase ; Instead paying {$240.00} ; If I paid the {$210.00} by XX/XX/XXXX, XXXX my Credit Card balance would be paid in full. I paid the {$210.00} on XX/XX/XXXX paying my XX/XX/XXXX bill early. The company did not honor the promotional offer. Following month XXXX a bill was sent me a I spoke with customer service representative whom refuse to allow me to speak to a supervisor, she claimed her supervisor was just going to tell me the same thing. I did leave a message went though the companys dispute process. I ask to have a extended period pay until I spoke with a supervisor the customer service representative refused and told me she was add a {$36.00} late fee to the {$26.00} bill, I closed account my XX/XX/XXXX because of a fraudulent balance of {$62.00} & a disrespectful lying customer service representative. I had never been late with a payment to Synchrony/Care credit. They reported to the credit bureaus a fraudulent balance of {$65.00} as well as other false payment history for XXXX & XXXX
Product: Debt collection

I tried to talk to company and explain its not my debt in XXXX or XXXX when it appears on my XXXX XXXX  report. Even XXXX  XXXX  ( XXXX XXXX and XXXX ) disputed at that time. I am not Sure how it appear on XXXX  after I sign up for it month ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Source, XXXX XXXX Account # XXXX This company is in violation of my rights and this account should be removed immediately XXXX XXXX XXXX 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 an account without my written instructions.

The following alleged collection account is listed as having a PAST DUE BALANCE of XXXX XXXXXXXX This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate.

This account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.
Product: Debt collection

I APPARENTLY HAVE AN OUTSTANDING DEBT WITH XXXX XXXX. THEY SENT THE ACCOUNT TO XXXX  XXXX XXXX. THIS COLLECTION COMPANY CALLS MY WORK AND CELL SEVERAL TIMES A DAY. UP TO 6 TIMES A DAY. I TRY TO TELL THE COMPANY TO STOP CALLING ME AND THEY HANG UP LAUGHING. I HAVE NOT RECEIVED ANY PAPERWORK FROM THIS COMPANY. AND XXXX XXXX REFUSE TO SPEAK WITH ME. I HAVE MAILED IN A CEASE AND DESIST, AND I HAVE CALLED THEM TO GET THEIR FAX NUMBER TO SEND IN THE PAPERWORK-THEY KEEP GIVING ME DIFFERENT ONES ( FAX # XXXX ) I DON'T OWE ANY MONEY TO XXXX, I CLOSED THE ACCOUNT WITH A XXXX BALANCE AND TURNED IN ALL OF MY EQUIPMENT THAT I WAS RENTING. AND SO DID MY WIFE.
Product: Debt collection

Not only is this company in violation of 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ). But also 15 U.S.C. 1681m ( f ) ( Prohibition on Sale, Transfer, or Collection of Debt Resulting from Identity Theft ), I informed both companies of the fraud of this account and theyre continuing to pursue collection efforts despite being aware of this plight
Product: Mortgage

XXXX XXXX XXXX sold my loan to Dovenmuehle Mortgage when I tried to make my monthly payment they would not accept it they said the loan had matured XXXX XXXX and wanted full payment of {$2700.00} by XXXX XXXX I informed them I did not have a balloon payment at the end of my loan and I always paid more than the usual payment, I have continually called and asked for copies of the original loan agreement and provide me proof that I owe them this money and they will not provide it to me yet they are charging me {$0.00} a day for interest while I " wait for them to get the documents '' I have a right to the information I have requested and they have not provided it to me, I am asking that they give me the information I have asked of them before paying the loan off. Thank you
Product: Credit card or prepaid card

I requested Kohls discharge or offset the balance on my kohls.com to the US Treasury in accordance with Public Policy HJR 192 of 1933 et al. However, Kohls has ignored my written requests, they have kept the documents provided to them needed to perform the discharge ( i.e. two 1099a forms, two remittance coupons, affidavits and notices of acceptance for value ) and they continually call me without my permission. When I reach out to them via online messaging they refuse to provide me an opportunity to follow up with them via email in order to preserve my rights. I am submitting in PDF a copy of the documents ( Notices of Acceptance for Value, Affidavits, 1099a, remittance coupon, exhibit ) sent to them via certified mail in XXXX, XXXX and XX/XX/XXXX and proof of delivery via the USPS website. 
As proof that the balance is supposed to be discharged and returned to the US Treasury please see the following laws : All debts are the obligation of the US Treasury as shown in 18 USC 8 Obligation or other security of the United States defined : The term obligation or other security of the United States includes all bonds, certificates of indebtedness,, coupons, 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 The term coupons refers to the same coupon all credit card companies such as Kohls issue every month to consumers which is the detachable stub at the bottom of each months billing statement. 
As further confirmation that debts are the obligation of the US Treasury see 31 USC 23 or 31 USC 3123 Payment of obligations and interest on the public debt : ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt XXXX XXXX XXXX According to XXXX XXXX of XXXX the gold standard was suspended and the requirement of a particular type of payment is inconsistent with the declared policy of congress. Every obligation shall be discharged. 
Whereas the holding of or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction : Whereas the existing emergency has disclosed that provisions or obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United Statesobstruct the power of the Congress to regulate the value of the money of the United States, and are therefore inconsistent with the declared policy of the CongressEvery obligationshall be dischargedThe term obligation means an obligation ( including every obligation of and to the United States ) XXXX XXXX XXXX
Product: Credit card or prepaid card

This is a continuation of a previous CFPB Complaint under Case # XXXX. Please refer it for detailed background description. We are very satisfy with the XX/XX/XXXX letter response from XXXX XXXX of Citi Execute Response Team. The letter is attached for your reference. 

However, the XX/XX/XXXX charge in dispute is reappeared on our bill on XX/XX/XXXX. The statement file is attached for your reference. During the period of XX/XX/XXXX - XX/XX/XXXX, we received ZERO communication from Citi. From XX/XX/XXXX to now, we have made numerous phone calls to Citi and received ZERO promised return phone calls. This is in direct contradiction of the statement in XXXX XXXX letter : " Should the merchant provide documentation to support their claim, we will contact you at that time to discuss the details of their response. '' As we are the direct witness of the Merchant misrepresentation, any falsified documents or statements from the Merchant in this dispute can be easily uncovered by us. All it needs to take place is for the Citi investigator to communicate with us during the dispute, just as XXXX XXXX stated. The promise from Citi executive team is nice, but it seems that it doesn't translate into actions for its investigators. 

Based on our experience, Citibank has many good people working hard to do the right things for its cardholders. But its investigation team appears to have the culture of ignoring or presuming guilty on claimants. They make the Citi slogan " Citi is with you before, during, and after every purchase '' a bad joke.
Product: Credit card or prepaid card

In my using the XXXX  phone app ( that is attached to my Chase Credit Card ) to purchase a {$24.00} ticket from XXXX XXXX, the app bought a {$24.00} gift card from XXXX XXXX I telephoned Chase Credit Card and was told to file a complaint with XXXX. To wit : ( for details see attachment ) Re : XXXX Sirs : On XXXX2018 the XXXX app made an error by purchasing a giftcard of XXXX XXXX in the amount of {$24.00} The intended purchase was from XXXX XXXX  for {$24.00}, which purchase was completed moments later.

As the XXXX XXXX charge was an error, Please Credit my Chase CCard account - ending in -XXXX - for the erroneous {$24.00} charge.

Yours, XXXX I have not heard back from XXXX about this complaint/dispute.

I filled out a complete online dispute form on the Chase Credit Card website and when I submitted it I got the return message, " Page Not Available ''.

I re-telephoned Chase Credit Card and spoke with three agents, ending with XXXX XXXX   supervisor in the dispute department, who told me she and Chase Credit Card could not reverse the erroneous charge.

Companies involved : XXXX XXXX XXXX XXXX ; XXXX  phone app ; Chase Bank Credit Card.

Please Advise
Product: Debt collection

No contract with Jefferson capital systems llc nor XXXX. Disputed this account with the same company in the past and they removed and they keep trying to collect after they advised they will closed the account. Fraud account
Product: Credit reporting or other personal consumer reports

The consumer reporting agency Transunion LLC is in violation of 15USC 1681i ( 5 ) for knowingly reporting data that has been proven to be inaccurate, incomplete and unverifiable data on my consumer report. I was not notified with the description of their investigation results as per 15USC 1681i ( 7 ) into such inaccurate data listed in my notice sent ( attached to this complaint ) to TransUnion that must be removed due to the accounts violations of 15USC 1681 ( B ) - 15USC 6802 ( B ) - 15USC 1681 ( 2 ) ( a ) ( i ) - 15USC 1692 ( g ) and 15USC1681i ( B ). The nature of my dispute demands removal of all the inaccurate data listed in my notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for one year to get my credit report and score. I have submitted numerous of times my identifying information and was told over and over that information has not been received. I called to get address to overnight the information to make sure that information was received and was told by two different representatives that there is no such address. After numerous calls, I was finally given an address. Credit reporting company still has not given me my credit report nor score as of today 's date.
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. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$11000.00}