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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited some funds into my savings account by Marcus by Goldman Sachs. I tried to withdraw the money to another linked bank account on XX/XX/XXXX, the transaction was reversed. I tried again in smaller amount and into the original account I deposited from, it was blocked immediately. I called the customer service per instruction, and provided all information they requested to verify my identity. However, they say they were unable to verify it at the moment ( despite of all information I provided ). They said another fraud department would call me back in 3-7 business days and deal with this. However, I never received the call. I was out of the country for two months after so was unable to follow up on this. On XX/XX/XXXX, when I am back in the states I called them again for the same issue, unable to withdraw funds from Marcus savings account to my other account I linked with and made deposits from. I called the instructed number again. The first time someone picked up ( XXXX ish ) and told me the department dealing with this is not in working hour, that I should call back between XXXX XXXX  to XXXX XXXX I called the next morning, provided all information requested ( birthday, social security number, address, email, secret word... ) anything there is to create the account, and was told they COULD NOT verify my identity, and that another department will call me in 3-7 business days. 

I told them there was no one following up my case the last time I called two months ago about the same issue, and asked what should I do if no one reached out, the speaker said he doesn't know and that he hopes they will call and I should give it 3-7 business days. I told them I needed the money then urgently and was already delayed for two more months, and ask to expedite the process or transfer me directly to that department, they refused and said there is nothing to do besides waiting for the call. I asked what could I do if I miss it, they said to call back the same customer service number ( that I've been calling ) and tell them, and wait 3-7 business days again.
Product: Debt collection

On XX/XX/2022, I called the call center for the Law firm of Linebarger Goggan Blair & Sampson, LLP regarding alleged outstanding debt. The law firm represents the XXXX XXXXXXXX XXXX XXXX XXXX regarding collections. 

I first received a letter from this law firm sometime late XX/XX/2022. The letter was dated XX/XX/2022. I verbally requested a debt validation and proof of the dates I received the toll violations when I first called the law firm on XX/XX/2022 and was informed I need to do this in writing. I had already done this to XXXX XXXXXXXX on XX/XX/2022. I then faxed a validation letter to the collections law firm on XX/XX/2022. As far as I can tell even though I sent the validation letter to XXXX XXXX since the law office is representing them in the collections process they should have received that letter from XXXX XXXX and even if they didn't receive it from XXXX XXXX, I faxed a validation letter directly to the law office. Because of this they are in violation of the FCRA. 

Instead of receiving any validation of the debt, I received another collection letter on XX/XX/2022. That letter was dated XX/XX/2022. 

I should not be receiving any collection letter until the debt is validated. They are a law office, they should know this! It seems the letters are generated automatically as XXXX was going to remove my address so I would not receive any additional letters. 

Also on the letter it states " You have failed to respond to our correspondence and we are assuming this amount is valid ''. This even states on the first letter which would be impossible since it was the first letter to me from the law office. And definitely not true on the second since I called them shortly after I received it and then sent a validation letter. This seems like a unethical, if not illegal, tactic to get the debt paid without me questioning it. I believe another violation of the FCRA. 

No where on the collection letters does it state " This is an attempt to collect ... '' I believe another violation of the FCRA.
Product: Debt collection

The collection company is : NORTHERN HILLS CREDIT INC XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX The original collection was {$46.00} for an HOA fee that I do not owe. The HOA charged the fee nearly two years after I had sold the property and moved out of the state. 

HOA is : RESERVE ON XXXX XXXX XXXX XXXX, XXXX, SD XXXX The collection agency keeps adding more " fee 's '' to the debt so that it is now {$150.00} '' They will not respond to my direct contact. 

The collection company owner has a personal relationship with the HOA president. This fee is retaliation from the HOA president after I was involved in the expulsion of his son from the school where I once served as head of school.
Product: Bank account or service

TD Bank is where I have my checking account for my small business. 
The nature of this complaint is that TD Bank has deceptive online accounting processes that purposely inflate your actual " Available Balance '' which allows XXXX to over-write checks or over-make online bill-payments or over-withdraw from ATMs which then encourage you to dip below their monthly minimum balance of {$1500.00} to avoid paying a $ XXXXmonth fee if you EVER ( even for 1 minute ) dip below a balance of {$1500.00}. The gist of the issue is the following : Your main " Available Balance '' is always higher than it actually is if you use their online Bill Pay system which is outsourced to a 3rd party vendor. Why is this? Because when you make an online Bill Pay, they do not immediately debit your account for that amount for 5 days! Yes, 5 days! Why it is not instant is beyond me. Even if the funds are n't debited, your " Available Balance '' should reflect all of your online Bill Payments in real-time or at least within hours. To lag 5 days encourages you to always see that you have more money in your " Available Balance '' than you do. The net effect of this is that I have often dipped below my {$1500.00} minimum balance and been charged a $ XXXXmonth fee for doing so. The fee is charged whenever - even for a minute - your balance dips below {$1500.00}. Well if the online messaging shows " Available Balance '' AND shows that your Bill Pay status is PAID, XXXX would think that your " Available Balance '' amount would be accurate. Yet, each online Bill Payment has a 5 day lag. I have notified TD Bank of this sleazy accounting and they have done nothing. 

I have uploaded 3 screenshots with a date and time on the first XXXX. 
1 ) The first screenshot shows my available balance of {$4500.00}. It also shows no mention or accounting for a {$1000.00} payment to XXXX on XXXX/XXXX/2017. 
2 ) The second screenshot shows NO PENDING PAYMENTS of any kind within my Bill Pay section of their system. 
3 ) The third screenshot shows that my XXXX {$1000.00} payment ( made on XXXX/XXXX/2017 ) status is PAID, but wo n't be delivered for 5 days! This amount is NOT reflected in my " Available Balance '' for 5 days. This goes for every bill pay I make. So the more online Bill Pays you make, the more often you risk over-withdrawing, over-check-writing, or over-bill-paying and dipping below the monthly minimum balance of {$1500.00} needed to avoid a monthly fee of {$25.00}. So the more you transact, the more chances you have of dipping below {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Throughout the months of XXXX and XXXX I diligently started working on my credit profile and monitoring the activity on it to make sure I could rebound as efficiently as possible from my past missteps. I noticed an old account on my report from XX/XX/XXXX on my report that was purchased by XXXX , XXXX. The date showed ( XX/XX/XXXX ( 4 yrs, 8 mos ) ) in the amount of ( {$640.00} ). On XX/XX/XXXX, I contacted XXXX , XXXX to get clarification ; a female representative kindly addressed my request to provide me with all the dates associated with their collection account. She provided me with the following : ( 1 ) Date of origination : XX/XX/XXXX ( 2 ) Date Delinquent : XX/XX/XXXX ( 3 ) Charged Off/Canceled : XX/XX/XXXX ( 4 ) Date Purchased ( by XXXX , XXXX ) : XX/XX/XXXX ( 5 ) Date Updated : XX/XX/XXXX I immediately contacted XXXX  to alert them of my conversation with XXXX , XXXX and the erroneous information and within ( 7-10 ) business days, my report was updated and the collection was removed from my XXXX  credit profile. I then contacted Equifax and followed the exact same process, it took them ( 20 ) days but their investigation yielded a less than satisfactory outcome and their explanation was very half-hearted and they insisted that the subsequent burden of proof lie on me not them. 

I have since located emails that correspond with the date of the ( XX/XX/XXXX ) reported delinquency that the XXXX , XXXX representative gave me over the phone. The date that they [ XXXX , XXXX ] are reporting is false and I feel that they are wrongfully taking advantage of me as a consumer by manipulating their reporting data in effort to keep this collection active.
Product: Debt collection

I was living at an apartment at " XXXX '' for over XXXX years with no trouble, however, in XX/XX/XXXX the apartment started having foundation problems and started cracking all over the walls and it was fested with roaches. when I talked to the apartment manager in XX/XX/XXXX they said it can not be fixed and i can move out without any charges ; however, toward the end of XX/XX/XXXX the apartment complex was sold to another company and when i moved out on XX/XX/XXXX the wanted to charge me about {$500.00} extra for an apartment that was not suitable to be rented. I disputed that charge and they sent it to a collection agency Southern management at XXXX which has been harrasing me since XX/XX/XXXX even though I told them that the debt is not valid and they need to either take it to court or stop calling me. they continue to call me with threats and report the incorrect debt to my credit report. Again they either need to take me to court or stop harrasing me.
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

USC 15 1666b A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
Product: Student loan

I would like to request a copy of promissory note reference on enclosed letter from Navient. The amount of interest charged during forbearance is atrocious especially when Navient failed to provide other options during my hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX XXXX
Product: Debt collection

Radius Global Solutions LLC claims I owe {$190.00} to XXXX XXXX, this amount is from a closed checking account number ending in XXXX. The account was opened fraudulently by XXXX XXXX reps, XXXX XXXX had a scandal of opening consumer accounts in order to boost executive profits. The amount, {$190.00}, represents a debit card purchase in amount of {$290.00} from XXXX, a mens t-shirt ordered and not received.. The item was shipped via XXXX, in which case, XXXX driver ( s ) have a habit of forging signature, leaving package where it is lost/stolen as is case here.. The purchase was disputed as item not received, a provisional credit issued in amount of XXXX The credit was later reversed, XXXX XXXX accepts forged signature, XXXX, as being true and correct, I never sign my name as XXXX. The credit was reversed back out of account, overdrawing it, two funds transfers in amount of {$50.00} brought the balance to - XXXX Complaints were filed with CFPB against XXXX XXXX for opening account which was not authorized, as well as debit card transaction, in which case, item lost/stolen with forged signature by XXXX driver.. XXXX XXXX replied in part by claiming the purchase was authorized, despite account opened fraudulently and non-receipt of item with forged signature... Please advise Radius Global Solutions I refuse to pay this amount, {$190.00}, from an unauthorized account and an item never received.
Product: Debt collection

Rent was {$XXXX} XXXX XXXX was there XXXX, XXXX, XXXX, XXXX, evicted.. Paid garnishment of $ 8,000+.  Now wants another {$XXXX}. Mean and abusive ; thieves.
Product: Debt collection

I am filing this complaint regarding Southwest Credit Systems and their handling of an account that has been reported on my credit report. I have no knowledge of this debt, and despite my efforts to seek validation and resolution, Southwest Credit Systems has failed to comply with applicable federal credit reporting and collection laws. 

Nature of the Complaint Southwest Credit Systems has reported a collection account to the credit reporting agencies without providing proper documentation or validation as required under the Fair Debt Collection Practices Act ( FDCPA ). I have made repeated requests for : Verification of the alleged debt, including the original agreement or contract. 
A detailed breakdown of the amount owed, including principal, interest, and any added fees. 
Proof that Southwest Credit Systems has the legal right to collect this debt. 
Under the FDCPA ( 15 U.S.C. 1692g ), I am entitled to a written validation of the debt within 30 days of my request. Southwest Credit Systems has failed to meet this legal obligation, leaving me with no clarity about the legitimacy of this account. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), I have disputed the accuracy of the information with the credit reporting agencies. Despite this, the collection account remains on my credit report without any investigation or resolution, which violates their responsibility to ensure accurate reporting.

Impact on Credit Profile The continued reporting of this account is causing undue harm to my creditworthiness, impacting my ability to access fair credit opportunities. I believe this constitutes a violation of my rights under both the FDCPA and FCRA.

Requested Actions Validation of the Debt : Southwest Credit Systems must provide documentation that substantiates the debt or immediately cease collection activities. 
Removal from Credit Reports : If Southwest Credit Systems can not validate the debt, I request the immediate deletion of the account from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Investigation of Reporting Practices : I request the Consumer Financial Protection Bureau ( CFPB ) investigate Southwest Credit Systems compliance with federal credit laws to ensure they uphold the rights of consumers. 
Conclusion This matter has caused significant distress and negatively affected my financial well-being. I trust the CFPB will take appropriate actions to address these issues and hold Southwest Credit Systems accountable for any violations. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring compliance with federal laws and resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed to have JP Morgan Chase Accounts with the account numbers # XXXX XXXX XXXX XXXX & # XXXX XXXX XXXX XXXX, removed from my credit reports on XX/XX/2022 since sending out a letter to Chase. I have noticed that there are inaccuracies on each of the three credit reports XXXX, XXXX, and XXXX. It appears that Chase Accounts were removed on XXXX but not on XXXX and XXXX. Due to these inconsistencies and inaccuracies I would like to report this fraud and have Chase fix this issue as it is tarnishing my reputation and name.
Product: Credit card or prepaid card

On XX/XX/2022, I received a statement from Genesis FS Card Services for a Destiny Master Card, that I hadn't applied for. It had a {$300.00} credit limit and a charge for a {$75.00} fee. 
On XX/XX/2022, I called their # at XXXX and reported this to them. The person who answered the phone had a very heavy accent and was very hard to understand. The only thing I could understand was, he would mark it down as fraudulent and for me to contact the credit bureau. I intend to file a police report, contact the credit bureau ( s ) and file a fraud alert with them. Their address as listed on the statement, is XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 XXXX
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES LLC lost in trial, case no : XXXX XXXX XXXX XXXX XXXX  this case was tried on XX/XX/XXXX, they continue to contact and harass me for funds not owed. This is illegal and fraudulent and have not taken it off my credit. 

The case was tried in XXXX at the courthouse of XXXX and the case was dismissed, that the plaintiff is unable to and has not proven a contractual relationship between the plaintiff and defendant. 


Yet the plaintiff, aka PORTFOLIO Recovery is calling to obtain a collection I do not owe.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my consumer report : Source of dispute information : Wells Fargo Home Mortgage, Account number XXXX Type of disputed information : Falsely reported past due of XXXX days, and falsely reported payments were missed. 
Dates associated with item being disputed : XX/XX/XXXX present. 
Explanation of item being disputed : o The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. 
o XXXX XXXX of XXXX, I enrolled in Wells Fargos mortgage forbearance program due to hardship of unemployment. They informed me that my new adjusted rate would be $ XXXX and the program would last until XXXX. I made all of those payments, and spoke with Wells Fargo on a monthly basis about making sure I was fulfilling my obligation to them. I spoke with them in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, and XXXX of XXXX. In every conversation, Wells Fargo assured me that I had paid my obligation and was in good standing with the bank. 
o XX/XX/XXXX, Wells Fargo called me and informed me they had removed me from the program due to lack of payment, and that I owed them. The agent informed me that there was nothing she could do, that I had been removed, and I would need to pay the balance owed from the forbearance program ( $ XXXX ), and re-apply to a new forbearance program. 
o Immediately after that call, Wells Fargo reported to credit agencies that I had not made a payment in over 150 days, and my credit score plummeted from XXXX to XXXX. 
o The following week, I contacted Wells Fargo to request they conduct an internal investigation about my account. XXXX XXXX XXXX was assigned to my case. After conducting an internal audit, Wells Fargo determined that they were in error. I was in fact up to date on payments, had never had a late payment, and that Wells Fargo were in error of removing me from the program. They immediately re-enrolled me in the program, however have not resolved their erroneous reporting to credit agencies. 
o Wells Fargo 's Home Preservation ( WFHP ) program is a predatory practice. I have never had a single late payment on ANY of my accounts in my entire credit history of 25 years. I have been a Wells Fargo customer for ~15 years, and have my mortgage with them. The WFHM forbearance program is marketed to consumers as support during a hardship, but is designed and XXXX to destroy the credit and financial stability of anyone who enrolls. 


I have reported errors to the credit agencies and attached is the letter and proof of the issue WF has created.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My home was burglarized and severely vandalized and as a result my identity was compromised. On numerous occasions I have filed a dispute stating that and nothing was done EXCEPT from the creditor to continue to bill/negatively report of XXXX  and XXXX  of an unpaid debt that was a result of a crime, as if I haven't already been victimized enough. Please view the attached police report and case number. 

Refer : Deputy XXXX XXXX Station : XXXX Sheriffs Station Phone No. XXXX Case No. XXXX