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

I received an email from Citi cards on XXXX/XXXX/17 that there was an activity on my account. I read the email and it stated there was an increase request. I did not apply for an increase. So immediately called card member services and they were closed. I asked my wife to log in at home to see what 's going on, because I was at work. My wife spoke a representative via chat and also emailed customer service. We advised in chat format ( writing ) not to process the increase request, and to document the account this was unauthorized.
I 'll give a little background, we recently moved and sold our house and our mail is forward, with that being said we have not been getting all our mails, and or address has been updated through the postal office with addresses that we do n't reside at. We put a block on our credit report because of this. My wife working in the XXXX XXXX XXXX XXXX and me being XXXX XXXX. We are disgusted the CITIBANK will think that we will apply for an increase and then before the decision decide to lie and make up that 's it fraudulent.
I called and spoke with customer service on XXXX/XXXX/17 and was advised '' there is no way an increase request can be submitted frequently, because the system asks for the last 3 codes the back of the card. So I logged and we tried with out submitting the submit button and it NEVER ask for any pin or codes. So I decided to contact customer service again, and ask to speak with a manager. The manger tells me that that they will have a 3rd party person do a research request to find out if someone logged in manually or it was do n't automatically through the saved logged in feature. This makes me believe that CITIBANK already has made there mind up that this is not unauthorized inquiry and puts me in a pool with everyone who disputes this. I asked for a new credit card to be submitted because I 'm currently staying with extended family while my home is being built and I do n't know if someone has or have access to account information. I have my log information for all accounts stored in closet. I will not make accusations but I have no proof.
.I 'm asking for someone over CUSTOMER SERVICE to look into this matter. I 'm requesting for this unauthorized inquiry to be removed please and someone who is bot bias to review this matter
Product: Credit reporting or other personal consumer reports

I'm concerned that these repeated errors indicate a deeper problem with my credit file.
Product: Debt collection

I have attempted to resolve the matter since late XXXX early XXXX of 2021. I have received multiple threatening letters to take action including repossession and later told that I could disregard the letters. I have attempted to settle the matter by sending a letter with a check stating it would be for full satisfaction of the amount in late XXXX and it was accepted and cashed but still not settled.
Product: Student loan

As a borrower, since XX/XX/XXXX I have been struggling to repay my Navient loan off. The original principal was {$2500.00} and the unpaid principal as of XX/XX/XXXX is {$5400.00}. The interest type - ( variable ) with an interest rate of 7.25 %. 

I can definitely say I have been misrepresented and misguided over the years from plenty of Navient workers steering me toward multiple forbearances instead of income-driven repayment plans due to their lack of knowledge and unfair and deceptive practices. I am currently in a forbearance and although my payments are suspended temporarily, the interest continues to accumulate and I am paying more interest on their interest! 

I am struggling to stay float and this is negatively reporting to the 3 bureaus. I have been dealing with this for 18 years and I have received thousands of persistent " robocalls '' yet the center practices to better serve me as the borrower is a complete nightmare. Navient lack of training and customer service shows greatly and navigating through the complexity of this has caused great difficulty. Navient workers are too busy to give personalized advice to the borrower and I am exhausted with them reading from a script and there incompetency. My estimated payoff date is XXXX/XXXX/XXXX. This is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

These names on my credit report are wrong and not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses never lived at. And are wrong. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tx XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Tx XXXX These employers never worked at. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 a 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 the person knows or has reasonable cause to believe that the informations inaccurate. 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Calvary Portfolio appeared on credit files. They were requested a validation through dispute with credit bureau due to never receiving any USPS mail communicationfrom them. They refused and failed to provide validation of all items of said debt. When they were contacted, they began by verifying who I was, social security number was given but when they asked for address, I requested they provide what address they had on file. The address they had on file for this specific debt was a very old address and would not have been provided to them by original creditor and they were told this. They were told that " if '' I owed this debt, that a Validation is requested. They would simply change a word or statement with credit bureau and made claims it was validated. Credit bureaus simply accepted their change thus continues to remain on each credit file.
Product: Mortgage

In the summer of XXXX our mortgage was sold to Select Portfolio Servicing. We have never had an escrow account for taxes. We had an escrow account for insurance only with the previous lender. Select Portfolio Services made an error when transferring our loan and started an escrow account for taxes and homeowners insurance. They are refusing to close the escrow account for taxes even though they have no legal right to change the terms of our loan. I spoke to a representative in early XXXX about closing the escrow account and they asked me to submit a form requesting that the escrow account be closed. I did that on XX/XX/XXXX. On XX/XX/XXXX I noticed that the escrow account was still open and called Select Portfolio Services and spoke to XXXX, a supervisor. He acknowledged that they had received my request to close the escrow account and told me that it would be closing in a few days and I would receive an official letter that it was closed and that I should feel free to go ahead and pay the property taxes and homeowners insurance myself. On XX/XX/XXXX I paid the property taxes and homeowners insurance. When I went to upload the receipts to Select Portfolio Services ' website I noticed that they had posted a letter denying my request to close the escrow account, and that they were changing the amount due monthly for my mortgage from {$3800.00} to {$5900.00} beginning XX/XX/XXXX. I called Select Portfolio Services on XX/XX/XXXX and spoke to XXXX, a manager, about these issues. She said she would look into it but she couldn't immediately close the escrow account or confirm that my mortgage payment should not be going from {$3800.00} to {$5900.00}. 

I find it very disturbing that they are trying to charge me for taxes and home owners insurance that I have already paid and that they are raising my mortgage payment by {$2000.00} because they made an error that they seem unable to fix. I should not be made to pay for their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was reported late 60 days past due.
Product: Credit card

In XX/XX/XXXX I have completed a project with Home Depot ( impact Windows ) and I have charged this project to the Home Depot Credit Card ( {$14000.00} ). At that time the promotion was 24 months 0 % APR. The Home Depot representative was at my house, we did the payment with his colleague over the phone and I was promised the 24 months promo 0 % APR. 
Unfortunately, the credit card company employee made a mistake and set the account for 12m. I didn't notice this when I set up my autopayment ( for minimal payment required ). 
In XX/XX/XXXX I have noticed that I am getting interest charges to my account ( currently {$4500.00} ) and I contacted Home Depot Credit Card services. They acknowledged the mistake, but they said that I had 60 days to contact them in order the get this fixed and I am past this period. They told me that there is nothing it can be done ( I spoke with three levels of customer service representatives- all the way up to XXXX - Account Specialist Level II ). I have pointed out that I am still within my original promised time frame ( the 24 months ) even though I was out of their 60 days arbitrary deadline ( which they mentioned it was changed in XX/XX/XXXX as it used to be longer ). I have also pointed out that this is a wrong business model for a public company- they are incented for their employees to make mistakes as this brings extra profits. Again, I pointed out that if there wasn't any mistake, their company wouldn't have had this extra profit and I don't want anything extra from them - just to reverse the interest charges. The answer was still hard NO. 
This business model looks like a fraud from consumer perspective. Once again, the company is incented for the employees to make mistakes which would increase the profits ( they just have to hope the customer doesn't notice ). On the other hand, if mistake is discovered by the customer, there is no repercussion for the company as they will just adjust the account. THIS IS WRONG!!!! 
The only thing the offered me before they shut the phone is to write a letter to a po box . That would help them gather some more interest charges for sure...
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. 


Account Name : XXXX : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number XXXX Account Name : DEPT OF EDUCATIONXXXX : Account Number XXXX Account Name : XXXX XXXX : Account Number XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX Account Name : US DEPT OF ED/XXXX : Account Number XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, 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. Please remove the following items from my credit report, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a duplicate debt that has already been disputed and deleted off of all three credit bureaus by previous owner of debt. This debt was disputed and deleted through the consumer financial bureau. The case number is XXXX. The correspondence is below : I have filed a complaint with XXXX before regarding account number XXXX Please be advised this is my FINAL ATTEMPT to resolve this matter In addition, this letter serves to inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In the event you are able to provide the requested documentation above, I will require at least 30 days to investigate this information during which time I expect no further contact from your offices or the company that you represent. Furthermore, during this 30 day validation period, if you take any action towards any of my credit reports which could be considered as having a negative effect, I will have no choice but consult with my legal counsel for suit. This includes listing any information to a credit reporting agency or other repository that could be inaccurate, invalidated and/or verifying that an account is accurate without having sufficient proof to back up such claim. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and once again I will have no choice but to seek the advice of counsel and file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. I look forward to you response and validation or deletion of the above referenced account so that I am not forced to proceed with any legal action
Product: Debt collection

Hello, I complained against IQ DATA collection company on XX/XX/2021. 
Complaint number XXXX. 
Unfortunately, this company is a XXXX. 
The company just did not submit the correct documents to you and invented very strange stories and legends. 
At the height of her XXXX, she approached all the credit companies against me and even at the height of her XXXX, she blocked my credit card. 
It hurt me in my economy and my family 's economy very much. 
It also hurt the excellent credit I had very much, And that's why I've been suffering for 9 months. 
Unfortunately, this company has no XXXX. Because she did all this during the difficult Covid-19 period, you went through all over America and the whole world. 
During this time I suffer greatly. 
I have contacted IQ DATA collection company many times. And I even proved to them that they were wrong. 
But unfortunately, it took so long till the company realized that they were wrong ( either they have no absorption, or they intended to hurt me ) after they realized, To date they have not removed their collection debt from all 3 credit bureau, Despite the many promises I received from them. 
And unfortunately, I had to turn to you again and ask for your help. 
Attached is a proof sheet of the mistake of the negligent collection company. 

I AM TRYING TO REFINANCE MY MORTGAGE BUT I CANT BECAUSE OF THIS COLLECTION COMPANY I demand from this despicable collection company. Immediately remove all the bad reports that have stuck to me from all 3 credit bureau companies.
Product: Credit reporting or other personal consumer reports

Upon me reviewing my credit reports on XXXX, i notice 2 accounts that were not mine.So i went too FTC and made a report.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. Also 15 USC 1681i ( a ) 1, 15 USC 1681i ( a ) 6 ( B ) 3, and 15 USC 1681i ( a ) 5 ( B ).
Product: Debt collection

TRANSWORLD SYSTEMS ( XXXXXXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$640.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Mortgage

There was lack of communication from the lender, HomeBridge, and the Buyer and Seller involved in the deal. The lender kept pushing back the closing when they told us it could be done in 30 days. There were just excuses and really no concrete reason for the delay. At first it was because of the buyer 's verification of rent ; but, it was a simple needing the buyer to sign a release form to allow the rental agency to send the documents to the lender. After that I do n't know what the reason was for a 2 week delay in closing. It was a lot of simple mistakes and not owning the issue. Luckily we closed ; but, there was a lot of unnecessary drama involved.
Product: Mortgage

My lender lied through my application and beyond closing. He now I see lied and said he did my application gave to face when I never met him till closing day. Then he lies and tells me Im getting in on a great opportunity because HUD has a new no money down no closing cost and Id be the first person to get in on it. He said the second mortgage would be forgiven by hud and only XXXX then forgiven. I told him XXXX was too much for me to afford and then comes back and tells me its down to XXXX. I was told I would receive a loan payment at closing which I didnt. The lender lied and said I told him I was XXXX when I was face to face with him and I never told him this. I go after closing get the first statement and its XXXX I go to XXXX and ask him what this was and he says I forgot to tell you before closing I couldnt get you down. I also told them my name was wrong and I was told it didnt matter. So I also asked for the XXXX And was told I cant have any of that or ledgers for my transaction. I was told that I would be foreclosed on because I was inquiring. I was not given full disclosure and mortgage fraud was committed by the lender from start to finish.
Product: Payday loan, title loan, or personal loan

I was contacted by GE Capital, XXXX XXXX, and granted a {$5000.00} personal loan for debt consolidation. I was told I needed to supply them with {$100.00} for loan fees, and then my money could be funded. After I paid them {$100.00}, in the form of a XXXX XXXX card, I was told I needed to pay {$470.00} in state taxes, and was sent a letter from the Federal Trade Commission, their letterhead was on the letter, and was told that the XXXX XXXX XXXX backed the Federal Trade commission 's request that I prepay the state taxes. The State of Idaho would then refund me the {$470.00} with a check sent to my personal residence. All of this was for the loan of {$5000.00}, and the {$100.00} loan paperwork fee to my account. When I questioned him, he sent me a letter stating that GE Capital was funding this loan, at no point ever did he ask me to sign any loan origination paperwork, nor did he ask me for any personal information like my social security number, or anything else for identification. Mr. XXXX got very upset with me when I told him I could not afford that, and that I was going to go to the Federal Trade Commission, the State of Idaho Attorney General, and the XXXX XXXX XXXX to find out if he was legitimate, he told me that if I couldn't be trusted to pay the taxes, how could I be trusted to pay back a loan.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Transunion consistently respond within XXXX hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681, which mandates a reasonable investigation of disputes. Furthermore, Transunion action may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 

These are the account that are mark inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Although I have filed bankruptcy and this was discharged in XXXX 2014, I am still battling with the credit agencies and creditors to reflect accuracy - this inhibits the ability to move forward and gain a credit history ; which was the ultimate goal of going to this extreme. I am simply trying to face forward and establish some positivity out of a horrendous situation. However, it has been months and they seem to discredit my claim. This is why I turn to this portal and request some assistance they may take a little more seriously ... thank you.