23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Portfolio Recovery Associates , LLC sent me a collection notice XX/XX/XXXX on an account they purchased from XXXX XXXX. I then requested verification of this account due to the fact that over the past couple of years I have had XXXX previous groups attempt to collect on this same account, which I attempted verification, and neither company was able to provide verification on this debt. I explained to both of these companies I did not have a problem paying for my debts but I did go through a horrible financial divorce in which an ex husband frequently charged on several accounts in my name, and several years after the divorce I am still finding accounts in which I owe. If one were to view my credit report, there are no accounts in jeopardy except those from several years ago. Portfolio Recovery Responded with a letter stating they would verify this account within 90 days which is not satisfactory. During the 90 days, I was sent a collection notice from them requesting payment without verification and the payments or balance was due on the account by XX/XX/XXXX, which is in violation. I then received a verification from them on XX/XX/2016 which only included a few copied statements from the account but none of the other information requested. I then in return submitted another request for verification via certified mail dtd XX/XX/XXXX ( certified mail rcpt number XXXX ). On XX/XX/2016 I received a letter which I have enclosed from Portfolio Recovery Associates Dtd XX/XX/2016 requesting payment no later than XX/XX/2016 also stating account has been transferred to litigation WITHOUT providing proper verification once again!! This is ridiculous and I have dealt with this company on another occasion and the same thing happened. I have asked for items to verify the account and they have not been provided to me.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, pursuant to section 605, the fraudulent information must be removed. Fraudulent addresses, names, and inquiries are listed in the attached FTC. 

FARUDULENT ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX FRAUDULENT NAMES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title XXXX shall include in the report an identification of the chapter of such title XXXX under which such case arises if provided by the source of the information. If any case arising or filed under title XXXX is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.

( e ) Indication of closure of account by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 4 ) of this title that a credit account of a consumer was voluntarily closed by the consumer, the agency shall indicate that fact in any consumer report that includes information related to the account.

( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who 2 was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. 

Account 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: Credit reporting, credit repair services, or other personal consumer reports

I am disputing accounts with XXXX XXXX XXXX and XXXX XXXX because this account have been disputed before and have not been removed by XXXX or Equifax, but XXXX XXXX has removed both accounts as od XX/XX/2020 from my credit report and it is by law that each credit bureau is suppose to report the same accurate information across all bureaus.
Product: Debt collection

Financial Recovery Services is calling for someone who owes a debt but does NOT live at the phone number being called. They keep calling the " wrong number '' day after day and month after month looking for someone else. I AM ON THE DO NOT CALL LIST!
Product: Debt collection

To : Sentry Credit , INC Hello my name is XXXX.I am sending this email to request a refund for a payment I made. On XX/XX/2024 of {$1000.00}. The account number is : ending in XXXX the XXXX Account number is : XXXXThe creditor is XXXX XXXX. 

I received my renters ledger and XXXX XXXX lawyer sent the court a Letter of Satisfaction. 

I've satisfied my balance with XXXX XXXX and in my ledger it shows I already paid for the repair to the unit on XX/XX/2024. 

I dispute the vaildaity of this debit.
Product: Checking or savings account

I have been a loyal Bank of America customer for over 10 years, and have never been so shocked or ashamed to be apart of such a money hungry corporation. Originally, I called because a vendor was illegally charging me money for the past couple of months, which I had proof of with a valid cancellation policy. I was not after the money that was illegally taken from me, but only wished for the vendor to stop being able to charge me future payments. I was told that if I wish to have someone who is illegally charging me money, that I would have to instead pay Bank of America a {$30.00} fee. Once I tried to reason with Bank of America 's agent, she stated that " overall Bank of America will be charging you less then the other vendor and its only a one time payment, so I should just do it ''. Essentially, I am being robbed and the bank wants to profit before they can help me solve my issue. I am already in the process of shutting down my account but I wish for other customers to hopefully be helped instead of being charged in the future.
Product: Mortgage

https : //lakeview.com/ XX/XX/2021 : We began the initial inquiry with Lakeview Loan Servicing to have the PMI removed from our mortgage based on the increased property value. Lakeview informed us that they would send a document in the mail within 20 business days to determine whether we qualify. The form was received on XX/XX/XXXX and stated we needed to make an inquiry to schedule the BPO. 

XX/XX/2021 : We called to have the BPO scheduled and they informed us they would call us to have the payment made and proceed with scheduling. We never received any calls. 

XXXX XX/XX/2021 : I called to see what the delay is and they said we never reached out to make the payment to schedule the BPO, however that was never explained to us. They said as soon as the payment is received they will call within 1-2 business days to schedule the BPO. 

XX/XX/2021 : Payment was received. 

XX/XX/2021 : We still have not received a call to schedule. I called and they informed me this could take as long as 2 more weeks to schedule. When inquired about why the additional delay and not 1-2 business days, they said that information was incorrect.

Throughout the process Lakeview has been unclear about timeline and next steps. In my opinion, they are unnecessarily delaying the process as it is in their best interest to continue having us pay PMI.
Product: Credit reporting or other personal consumer reports

" SEE ATTACHED '' I have recently checked my credit report and noticed some inaccurate accounts reporting on Experian.
Product: Credit card or prepaid card

I am a senior trying to purchase my first home built my credit score up. Citi Bank gave me a Costco Citi Visa Card. On XX/XX/23 they obtained a copy of my XXXX XXXX XXXX and due to increase usage on some of my cards they lowered my limit from {$7100.00} to {$4000.00}. After my card usage was at {$3700.00} I never paid late and always paid 3 times the amounts plus on the amount due. This unauthorized action put my card at over 90 % usage and will damage my fico score by at least XXXX points. See attached documents!
Product: Bank account or service

In 2015 a fraudulent check was deposited in my Suntrust account, I notified ny local branch manager it was reported to the fraud department. I also filed a police report on Identity theft previously. My Account was overdrawn because of this check. Suntrust prematurely closed the account. Leaving me with a balance I assume. This was reported to collections but I was made aware. Now i have a problem with being in chexsystem with both Regions And Suntrust.
Product: Debt collection

On XX/XX/XXXX while going over my credit with our loan officer ( we are buying our first home ) a collection account with Plaza Service ( opened XX/XX/XXXX ) for XXXX for {$5200.00} and also listed as XXXX ( opened XX/XX/XXXX ) for {$3800.00}. I made contact on XX/XX/XXXX and neither Plaza Services or XXXX would communicate with me. XXXX saying the account number I gave them from my credit report does not match their records and Plaza Services saying that only using the email address associated with the account could they tell me anything ( which I do not have because the account was not opened by me )
Product: Credit reporting or other personal consumer reports

I got defeated last year trying to resolve the credit agencies reporting accounts that have caused me great stress. I am trying to buy a home in the next year and my credit report has accounts listed that I do not give my permission to have reported.
Product: Checking or savings account

On XX/XX/2022, I was assessed an NSF fee for {$29.00} for the SECOND time for a ONE time occurrence. I wrote Navy Federal and was informed that the fee would be waived. The fee was charged, then waived, then charged again. Navy Federal refused to waive the fee for the second erroneous charge.
Product: Checking or savings account

I have been a client with Citibank for over 17 years I have a two checking account plus pior student loans that are now close and paid in full They send me Pre approve offer for a credit card so I apply then send me a letter like oh we are sorry we cant approve you at this time They are looking at wrong information and old information on my credit file
Product: Credit card or prepaid card

On  XXXX / XXXX /2017 I receive a one page letter from Wells Fargo Card Services dated  XXXX / XXXX /17 stating that my credit card has already been closed due to other bank cards and 6 months of inactivity. please destroy your card immediately as it will not work. I 've never been late, delinquent, or missed any payment of any debt in my lifetime. My account is always in good standing and has never had a high balance. Wells Fargo is my primary bank and has been since I was able to open an account. My personal accounts, IRA, vehicles and credit cards are all with Wells Fargo and have never had any problems in which risk management would become involved. I am also a former employee that left the company in good standing. I called credit card services to resolve the matter and after 4 different team members in different departments deflecting my concerns and passing me around, the supervisor left the conversation before explaining it to the next person and that 's when I officially gave up on Wells Fargo. They essentially punished me for using The credit I have earned over the years and their associated balances, yet they closed my account for the exact opposite reasons.A customer of 20 years. here is no logical explanation for this decision and none of the employees could explain anything other than what my letter stated. I explained to each associate that I have been a very loyal customer for over 15 years, maintain an excellent relationship and keep the card for emergencies. I feel that am being cheated for no reason since there is no negative history on my tiny credit card account. Of course every representative said they would be more than happy to submit my application for a new credit account that would negatively impact my credit report, but give the company another sale. This is when I became concerned and decided to report WF. They are abusing their customer 's loyalty as well as their financial states once again. I can forward the letter per request since there is personal and financial information on it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter back stating, " They do not report any bankruptcies to anybody ''. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or form a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights. XXXX5 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. 12 CFR PART 1026.11 ( a ) CREDIT BALANCES. when a credit balance in excess of XXXX dollar is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise two or held for the benefits of the consumer ), the creditor shall : 1. Credit the amount of the credit balance to the consumers account. 2. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer. 3. make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Product: Debt collection

I mailed, by and through my attorney, to Real Time Resolutions ( Real Time ) a Qualified Written Request and Notice of Error pursuant to 15 U.S.C. 2605 et seq. and a Notice of Error pursuant to 12 C.F.R. 1024.35 on XX/XX/2020. The purpose of the Qualified Written Request and Notice of Error was to notify Real Time that the lien on the property is expired because the statute of limitations to enforce the promissory note and mortgage granting the lien have expired. I submitted my Qualified Written Request and Notice of Error to Real Time because Real Time purports to be the mortgage servicer although there is no assignment of mortgage recorded in favor of Real Time. Real Times inadequate response to the Qualified Written Request and Notice of Error is the basis of this complaint. 

On XX/XX/2020, Real Time purported to respond to my XX/XX/2020 Qualified Written Request and Notice of Error. Although my XX/XX/2020 Qualified Written Request and Notice of Error clearly and unequivocally informs Real Time that the promissory note and mortgage it purports to collect upon are expired under Michigan law, Real Times XX/XX/2020 letter seeks to collect an alleged balance of {$170000.00}, when any amount that was allegedly owed to Real Time or the creditor Real Time allegedly services the loan on behalf of is now an expired debt under Michigan law. 

Real Times XX/XX/2020 states, '' Real Time Resolutions , Inc. ( RTR ) is servicing a delinquent mortgage with respect to the above-referenced property .. .RTRs documentation shows that a lien associated with this account remains on the property. If you have reason to believe that this not true, please contact RTR so that we can update our records. '' As requested on page 2 of my Qualified Written Request and Notice of Error, Real Time failed to 1 ) make appropriate corrections to indicate that the debt and mortgage are expired, 2 ) release the lien associated with the expired mortgage, or 3 ) provide me with a written explanation or clarification if RTR [ Real Time ] believes the account is correct.

Real Times XX/XX/2020 letter fails to provide a substantive response to my XX/XX/2020 letter because Real Time does not address my assertion that the promissory note and the mortgage securing the promissory note are both expired under Michigan law. Real Time further fails to provide a substantive explanation as to why Real Times lien is valid if the promissory note and mortgage from which the lien was derived are no longer valid. Real Times XX/XX/2020 letter is an implicit refusal to remove the lien but provides no legal explanation as to why Real Time is entitled to enforce the purported lien in light of the expired promissory note and expired mortgage.
Product: Debt collection

To whom, it may concern my name is XXXX XXXX XXXX I am writing to inform that after reviewing a copy of my credit report I have discovered that I am a victim of identity theft because there is an account in my credit report that is fraudulent ( including 2 inquiries ). The situation has caused me to be very depressed and troubled. I am in the process of buying a car for my son that is going to college and I want this matter to be fixed ASAP. Thank you very much.
Product: Mortgage

Shellpoint Mortgage has reported on XX/XX/2020, " Between XX/XX/2020, and XX/XX/2020, the following remark was added to this account : Affected by natural disaster. '' This statement is neither authorized nor correct.
Product: Debt collection

I asked the collection company ( Creditors Discounts and Audit ) to send me proof of debt because I was not aware of any for XXXX XXXX XXXX XXXX XXXX. Nothing has been sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

the Account for XXXX is XXXX XXXX  non-compliant. The account number is incomplete therefore this account violates FCRA for reporting incomplete and inaccurate information. This account has also been paid in full for over six months. Metro 2 says an account paid in full can not report over six months from payment.
Product: Debt collection

I saw some fake accounts on my credit report that aren't mine. Can you take them off? They're affecting my credit score.
Product: Debt collection

Received a phone call from XXXX XXXX ( XXXX ) XXXX claiming to call from an XXXX office regarding an account from XX/XX/2013 regarding a debt from a XXXX XXXX 's credit account to inform me of a law suit pending. XXXX XXXX threatened me to move forward with this law suit unless I was willing to rectify the situation thru payment of the balance. I informed him that I had no knowledge of this account and that it was past the statue of limitations in the state of California, he responded that it was not and that he is aware of this because he works for an attorney. I again advised him that I had no knowledge and that he was breaking the law by communicating with me. At that point, it turned into a yelling competition but was able to get his name letting him know that I would be filing a complaint with the CFPB and hung up the phone. I then realized I did not get the name of the company XXXX XXXX was calling from. I called the number back and XXXX XXXX answered " mediation ''. I stated that I needed the name of the firm he represents and he responded " sure '' and hung up on me. I had to have my husband call the number from his cell phone and retrieve the firm 's name. Another representative answered and clearly stated and spelled out " Halsted Financial Services ''.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports