23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Over the last 45 days i have been called daily by an automated system from an unnamed firm threatening " legal action if I don't respond to the complain. '' On Thursday XX/XX/XXXX i hit number 1 on my phone and was routed to a woman who stated her name was XXXX XXXX from the " firm XXXX XXXXXXXX XXXX XXXXXXXX and had been retained by the plaintiff to legally collect or pursue action for the debt. '' XXXX stated her " firm '' was collecting for HSBC credit card that charged off in XXXX and that i needed to " pay the balance that day to avoid being sued, reported to XXXX and all of my current accounts frozen and my wages garnished. '' I advised XXXX that the statute of limitations had long passed on this account, it was no longer on my credit even due to age and that she cant threaten me with legal action. XXXX replied that " every time a creditor sells or hires someone to collect the debt the creditor enters a new contract and extends the statute of limitations. '' XXXX XXXX also stated that " I had made payments on the account in XXXX '' which was completely false. XXXX got very agressive demanding payment or she was going to report me to XXXX that day the XXXX, have HSBC sue me and then terminated the call. Friday XX/XX/XXXX XXXX again called back offering me a " last chance '' to resolve it before the " complaint was forwarded for legal action. '' I again stated it was out side of limitations and that she was violating the FDCPA by misrepresenting the debt and threats of action. XXXX again got very aggressive and stated that i had to pay it that day or " pay the consequences. '' XXXX XXXX stated that HSBC never charged it off and that they are who is going to sue me. XXXX then emailed me a demand letter from an email of XXXX with a letter head of " XXXX XXXX XXXX '' which all appear to be tied to a XXXXXXXX XXXX XXXXXXXX XXXX XXXX utilizing address XXXX XXXX XXXX  XXXX, XXXX, FL XXXX for both the XXXX and Personal use. XXXX XXXX called again Monday XX/XX/XXXX demanding payment and was confronted with factual dates, AZ law on statute of limitations and the fact that XXXX is only for bad banking issues, rental and mortgage issues/default. XXXX XXXX again reiterated that I would be reported to XXXX and that her firm would have HSBC pursue me in court for the debt. I advised XXXX that the call was being recorded in accordance with AZ law and she didn't care, kept threatening me. I then confronted her directly asking what the consequences were if I didn't pay it to which she would then only say " complaint will be forwarded. '' XXXX again terminated the call once she realized that I knew she was continually violating the FDCPA. This was aggressive, misleading, false threats and clear violation of FDCPA. Threats of legal action, garnishment, and credit reporting of old accounts that can not be pursued in court or reported on credit is unfair and illegal. Misrepresenting as a law firm threatening legal action falsely is illegal.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXX Balance : {$420.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported my account as delinquent when it is not delinquent. The Transunion reporting is showing that this mortgage account is delinquent. 

The account was paid on XX/XX/2022 and XXXX has reported this account as delinquent on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

was paid in full and no update still says needs attention.. been over 2 months
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no business with XXXX account # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX  and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit card or prepaid card

I submitted a dispute for a billing error on my CITI Visa credit card on XX/XX/2021 for {$560.00} by XXXX XXXX. Upon my initial dispute, I provided the requested documentation. In response to the CITI letter requesting documents already submitted dated XX/XX/2021, I resubmitted my documents on XX/XX/2021. I included all necessary documentation to fully and adequately follow through with this dispute. 
However, CITI failed to provide any response from the merchant or let me know if the merchant even replied. Furthermore, it is now the end of XX/XX/2021, far beyond the allowed 2 billing cycles which CITI is obligated to correct this billing error. I previously informed CITI of their failure to provide the required documents and process the dispute in accordance with the published and public VISA dispute resolution guide. 
The provided documentation includes written correspondence between myself and XXXX who agreed it was an error on their part and would be issuing refunds but failed to do so. 

CITI has failed to provide any reason for their belief the is valid or provide any supporting documentation from the merchant. 
The billing errors were a result of XXXX failing to provide credit for free coupons utilized upon making the reservations and double, even triple charging my card for these errors. On XX/XX/2021 I was in communication with XXXX from XXXX who stated she made the correct adjustments to the charges, however as I have now been charged back months later for these charges the amounts charged are no longer correct. 

Citi has refused to correct this billing error despite receiving the necessary documentation to support my case, or provide the required documentation proving the billing error to be valid.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602. 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 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 a person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

alot of information found is invalid on my credit report with transunion. I am interested in disputing all incorrect inaccuracies on my credit report to help correct my file.
Product: Debt collection

Upon reviewing my credit report XX/XX/2016, I saw a collection account for Jefferson Capital Systems whom the original creditor of XXXX sold the account to for collections. I sent a letter to Jefferson CapitolSystems at the address listed on my credit report, which is supposed to be accurate information being reported to/by the credit bureaus. The letter was sent certified XX/XX/2016 and signed on XX/XX/2016 by XXXX XXXX XXXX. The letter stated that they had the required 30 days to verify and send me documentation of the accused debt that I was disputing as per FDCPA and FCRA. I waited the required 30 days from the date my letter was received at their office. I never received reply of verification of accused debt by Jefferson Capital Systems. Per FDCPA 807 ( 8 ) law, a collection agency is required to contact the credit bureaus on my behalf, and to make sure to add a sentence to my credit report withing 30 days, that says I disputed the negative item/information in question. THIS NEVER HAPPENED! They never complied to the credit bureau, and the credit bureau never marked my account as " disputed by consumer '' within the allotted time frame. This now constitutes a breach of Federal Law on Jefferson Capital Systems which is now liable to me for damages of up to {$1000.00} per occurrence. So, I sent letter 2 XX/XX/XXXX. I mailed the letter on XX/XX/2016. Jefferson Capital Systems received it on XXXX XXXX, 2016, signed again by XXXX XXXX XXXX. I was giving them another 30 days to verify the accused debt. Instead of that happening, Jefferson Capital Systems filed a suit against me. I received it XX/XX/2016. Now, over 60 days have gone by since my initial letter XX/XX/XXXX. Now that 's another 30 days of breaking the law and holding Jefferson Capital Systems liable for another fine of up to {$1000.00} for the second letter I sent to them XX/XX/XXXX, which they also ignored. This was still not my first initial contact from them directly, but through the court papers I received. Then a week after the lawsuit they filed against me, I receive a letter from them. Still no verification, just a call me and let 's talk letter. I did n't bother calling them. I felt I gave them plenty of time to respond to my two letters with documentation. I went to the courthouse to answer their bogus claim and file a countersuit against them. I guess their lawyer does n't feel they broke any laws. Surprisingly, I think they had the credit bureaus remove their account from my report because it is not there anymore. Guess they are trying to hide the fact that they never contacted the bureaus to have the dispute remark added in time, but I have credit reports from XX/XX/XXXX and XX/XX/XXXX showing that their account is on them, with no dispute remarks. They broke the law and they want me to pay for it. I have the letters I sent them, the credit reports and the signed certified cards to prove they broke the law. I received the response from the court and we are due to court on XX/XX/2016.
Product: Mortgage

I received a call from XXXX XXXX XXXX # XXXX with Royal United Mortgage after filling out a form on XXXX XXXX. I was very specific that I wanted a HELOC and that I was not interested in personal loans or cash out refis. After speaking for 20 minutes to get my information and why I wanted the loan, she did a hard pull on my credit. Afterwards, she indicated that a HELOC is in fact the best option for my situation, but unfortunately they do not offer HELOCs. She should not have moved forward with a hard pull on my credit knowing they did not offer what I was interested in. I voiced my hesitation with the hard pull and said I did not want to do it if they weren't going to be able to do what I wanted. At no point did she disclose that they did not offer HELOCs. Had she disclosed that they did not offer the product I was interested in, I would not have agreed to the credit inquiry.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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

I made payment arrangements w IQ data international, inc XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
My concern was when I realized I initially owed XXXX and now I owe XXXX.???? I've paid them XXXX, which btw wasn't easy for me but I made sacrifices. I called the company. After about 50 telephone " offers '', the recording tells me " we are sorry, the new number is ..., ''. I called new number. More offers. Then without identifying themselves I got " please say residence, business or government ".
Product: Student loan

When I finally got the help I needed to make consistent payments with a Fed Server, the government shut things down r/t COVID 19. I continued making my payments only later to find out that the government transferred my account to MOHELA. I continued making payments with MOHELA but no longer can because of the long phone call wait time and now I can't logged into my account to get information about my loans. My account either freezes or locks me out. It's important that I let them know I have moved! I had a better communication with my previous Fed Loan Server and monthly auto payment setup that was working great. This was not necessary for the Federal Government to just change my Server as though my opinion doesn't matter concerning my debt.
Product: Mortgage

What happened? 
I have a XXXX XXXX mortgage loan serviced by Flagstar. I entered forbearance in or around XX/XX/XXXX. In XX/XX/XXXX, I contacted Flagstar again to request that I be evaluated for post-forbearance options per Fannie Mae guidance. Flagstar informed me that my account was subject to a " block '' that needed to be removed before they could proceed. On XX/XX/XXXX, I called Flagstar again, and was again told the same thing. The representative told me to call back in a week, and the block would be removed so that they could proceed with workout options. On XX/XX/XXXX, XXXX XXXX from XXXX joined me for a call to Flagstar. We spoke with customer service representative XXXX and then supervisor XXXX. XXXX said that a " template reset '' was necessary. After a hold, XXXX informed us that she had communicated with the IT department and that IT had confirmed that they would remove the hold within 24 hours. 
She scheduled a follow-up call with me for the following day. On XX/XX/XXXX, I received a follow-up call during which I was told that Flagstar had not yet been able to reset my account and remove the block. Flagstar again told me the same thing : the IT department needed to work overnight night to reset his account before they could proceed to evaluating the account for post-forbearance workout options.

At this point, I had been attempting to exit forbearance for months and have been told five times that an IT problem is preventing Flagstar from moving forward. Each time I have been assured that the problem is a simple IT fix and will soon be resolved, but Flagstar has not yet resolved the problem and moved forward with their evaluation.
Product: Debt collection

The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for XXXX XXXX XXXX and XXXX XXXX XXXX has expired as when the last payment was made on each accounts. 

In addition, the original XXXX XXXX XXXX original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. 

XXXX XXXX XXXX offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.
Product: Checking or savings account

XX/XX/2022 - I purchased with a merchant using my Navy Federal Debit card. When I received the item from the merchant, it was not as described and did not work for me, and I reached out to the merchant and asked to return it. The merchant agreed that I could return the item for a full refund once they received the item. I sent the item back with the merchant return label, and they received the item back in XXXX but did not provide my refund. I called Navy Fed and disputed the charge, and a temporary credit was given for the {$100.00}. Now, I received an email from Navy Fed asking for more details, and I provided the email from the merchant stating they received the item back. However, Navy Fed has sent a letter to me saying they have found it not in my favor and have removed the credit from my account. I have called NFCU asking them how they are removing the credit from my account when the email clearly says the merchant received their item. NFCU is not protecting me as one of their customers and has not done a thorough investigation because if they did, they would have been told by the merchant that they had received the item back.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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, credit repair services, or other personal consumer reports

Company : TransUnion Problem : I tried to place a credit freeze on-line. The web site attempt failed. I tried via phone and failed. Agent did not pick up the phone. I tried the same process for my wife. Similarly failed both web and phone. I requested a friend to try, failed both web and phone. Seems TransUnion does everything it can to prevent you from placing a credit report freeze. Also, the web site has a link called " credit block '' which is an attempt to sell credit monitoring at a monthly fee - in fine print. It is an obvious attempt to steer consumers from credit freeze to a paid service. 

I did not have any issue with XXXX nor XXXX. TransUnion appears to be a bunch of scammers. 

Also, I am not clear how any credit reporting agency can justify charging for a freeze given they lost everybody 's data to the dark web!
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have recklessly failed to follow reasonable procedures to ensure the accurate reporting of my credit under the FCRA Notice on the Equifax Information Services, LLC wrong information as to # 2 ( You have too many delinquent or derogatory accounts ) only. 

In addition, I contacted both agencies ( XXXX and XXXX XXXX ) in regards to the recent reporting of my credit report. I attempted to get credit with XXXX XXXX and XXXX  XXXX XXXX. Both creditors reported back the following on or about XX/XX/2021 1. Balance on your accounts is too high 2. You have too many delinquent or derogatory accounts and ; 3. The total of all balances on bankcard or revolving accounts is too high.

This information would be totally old and incorrect. I have no balances on any of my revolving accounts and havent had any for more than 60 days.

Misreporting such information after being made aware willfully and/or negligent violates Section 1681 e ( b ) of the FCRA. Such action of delayed or failure to update reporting files in a timely matter also violates Section 1681 I of the FCRA. 

I was denied a mortgage and housing rental due to the negative and incorrect information provided by these two agencies. The information being reported to creditors is old and outdated by at least six ( 6 ) to eight ( 8 ) months. 

I am demanding that they correct the information within my report and provide me written notice that it has been corrected in writing.
Product: Credit card

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source ofXX/XX/XXXX for me, and I sincerely hope for a swift resolution.