23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an alert on my credit report about an alleged debt with a company that I have never had any interaction, contact ot transaction with. 

The collection agency is TEK COLLECT INC. Reported on XX/XX/2020 Original lender is listed as : XXXX XXXX XXXX XXXX XXXX No other information is listed. 

I was mever contacted, and never received any information regarding any debt, and I do not reconginze the original lender and I do not have any affiliation with that entity.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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

I received a letter ( see attached ) with File : XXXX ( without my name ) from the debt collection agency, Transworld Systems Inc ( TSI ), dated XX/XX/2023, stating that I owed {$85.00} from XXXX XXXX XXXX XXXX. I did not contact TSI, thinking the letter must be a mistake since my name did not appear on it. 
A 2nd letter dated XX/XX/XXXX was sent to me, now with my full name ( see attached ), stating that they did not receive a response concerning a past due of {$85.00} with XXXX. I wondered, since I had no account with XXXX nor conducted any business with them, I considered it as a " Fraud '' charge. I contacted XXXX XXXX, and they confirmed that they did not charge this amount, nor did I not have an account with them. 
I contacted the TSI, a collection agency, and they said the amount they collected was with XXXX. Still, when I mentioned that I had already gotten XXXX confirming that this amount did not exist, the TSI rep said this amount was for other charges by the vendor, not even mentioning the vendor 's name.
Product: Debt collection

I keep getting messages from some company that I have never heard of threading a wage garnishment for what I do n't know. When I call the number left in the message it 's to an employment line.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Act credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Reporting agencies must not disseminate outdated negative information. My Equifax report is used by majority of bureaus and wrong information greatly effects me with much higher credit card interest rates, higher home and car insurance premiums, and higher home mortgage interest rates as a consumer. This account has been payed off as of XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX took XXXX dollars from me XXXX did nothing to help me I dont know this XXXX XXXX he somehow compromised my account and took the money XXXX would not respond to phone calls and did nothing on XX/XX/XXXX I got my direct deposit by that morning XX/XX/XXXX my account was empty again XXXX XXXX Has done nothing no help se anything I tried contacting XXXX XXXX no help I lost a XXXX dollars XXXX total in XXXX week thats XXXX card services through XXXX XXXX I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter addressed to the Credit Bureaus last XX/XX/2022 requesting that the Credit Bureaus conduct an investigation and correct the information being reportied by the furnishers. I have also sent letter before the said date and have been waiting for the Credit Bureaus to respond and yet they have sent me nothing. The 3 credit bureaus must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX Late Date XXXX
Product: Credit card or prepaid card

In XXXX I sign up for a credit card from Barclays Bank. I thought there was no annual fee but apparently there was no annual fee in the first year but there was in each year thereafter. I made a few purchases on the card in XXXX and paid them when they became due. 
In early XX/XX/XXXX I received a statement dated XX/XX/XXXX advising me that I was to be billed next month for an annual fee of {$99.00}. The statement went on to state : " You may choose to call us at XXXX within 45 days of receipt of this notification to discuss alternative products that may be available or to close your account so that the fee will not be billed. '' My wife and I each thought the other had called to cancel the card but when I received a download into my accounting software of an annual fee charge I realized that the account had not been cancelled. I immediately called the number on the statement and asked to cancel the account. The call was made on XX/XX/XXXX at XXXX XXXX XXXX and I spoke to XXXX. After checking with his supervisor, XXXX advised me that I would have to pay the annual fee and that the bank would mail me a check to refund the fee within 60 days. I pointed out that the bank 's own notice said that if I called within 45 days ( I called within 32 days ) that " the fee would not be billed ''. In response I was told that since the fee was already on the XXXX statement, I would have to pay it and that the bank could not reverse the charge. In addition the bank advised that if I didn't pay the charge by the due date I would be assessed a late fee and interest. Since the bank will not honor its own written notice, I have no confidence that if I pay the annual fee that I will receive a refund based on an oral promise made over the phone. Also, loaning the bank {$99.00} for two months is not fair since they promised to not assess the fee if I called within 45 days which I did.
Product: Mortgage

This is my third complaint. I receive a letter from XXXX XXXX XXXX in the mail indicating that they have been retained by my mortgage servicer, Citadel Servicing Corp. The total amount due in the letter is incorrect. ( {$960000.00} ) I have requested a full breakdown of what that amount entails and how it was calculated. 

I was told by Citadel that I would be offered a feasible repayment plan after my forbearance. I was negotiating the terms of this plan with Citadel and waiting for a response to my question regarding foreclosure to assess my options. Instead of responding, they quietly referred it to foreclosure and retained a trustee to facilitate it. How am I able to make an educated decision on what to do when nobody would tell me a deadline to decide or when they intended on referring it to foreclosure? If they would have informed me of the XX/XX/21 referral date, I would have found a way to make the first payment on the repayment plan by borrowing from friends or family. I would never have allowed this to be referred to foreclosure and have multiple fees assessed. 

This is an invalid foreclosure referral and it should be immediately rescinded. Citadel has violated the California Homeowner Bill of Rights on many provisions. I was never provided with a referral date and I was promised someone would be in contact and nobody contacted me or responded to my questions. This is a clear example of duel tracking. I was given no information regarding a deadline nor offered a chance to appeal the denial of my request for additional forbearance. I was never provided one point of contact and key information was withheld from me. This all being done amid a global pandemic with other state-imposed guidelines in place. 

They have already imposed and began collection efforts for late fees and attorney fees which is yet another violation of the Homeowner Bill of Rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Credit Card has an unpaid account and its ruining my credit. I never knew about the account, I never received a credit card, I never received bills from them, I never knew it existed until I ran my credit. I 've contacted them several times they will not give me the account number they will not let me have the invoices for the charges. I do n't have any credit cards on my report that I 'm not paying on. I certainly would n't have a {$500.00} credit card and not pay on it. But here I am fighting for my credit and they are charging me {$670.00} they closed the account for non-payment because I never knew about it. I just want it deleted from my credit report asap.
Product: Debt collection

Amsher collection service falsely reported to credit bureau companies that there is delinquent debt XXXX {$120.00} to XXXX XXXX ) on my credit reports : XXXX  removed the incorrect account of the collection company from my credit report through the dispute process on XX/XX/2020. The collection agency deliberately re-posted the false claims to the other XXXX, XXXX  in order to disrupt the refinance mortgage of mine as the collection agency harassment on XX/XX/2020 ( 1 day after I won the dispute ). The collection company intends to pressure me by damaging my credit score on my refinance process ; inducing the situation to its advantage. 


On the other hand, the delinquent debt to XXXX XXXX, {$120.00} must be false. I filed the relevant complaint against XXXX XXXX through the credit card company dispute, this XXXX. XXXX XXXX refunded me the complained amount in the dispute. However, Amsher collection service seeks to collect the legitimate refund as the delinquent debt in fraudulent activities.
Product: Credit card

Bank of America closed my account without proper notice. The card was not expired. The reason that was give to me in a letter dated XXXX XXXX, stated that the terms applicable to my account are no longer available. When I spoke to a representative I was told it was because I had not used the card in a while. XXXX different stories!!! I believe it was age discrimination.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 Experian 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 ) ( XXXX ) A person shall not furnish any information relating to a 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

I am writing to dispute the following information in my file. I have contacted the agencies several times to update and report the corrected information : The following addresses : XXXX XXXX XXXX, XXXX, Tx XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX # XXXXXXXX XXXX, Tx XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX is inaccurate, there are several variations of this address as well so this is how you know that this address should not be reporting on my credit report. I am requesting that the item be removed to correct the information : XXXX XXXX XXXX XXXX XXXX, Tx XXXX is the only address that should be reporting on my credit profile. 

Enclosed are copies of a current utility bill for proof of address, social security card & proof of ID. I've been at my current address for the past 3 years. Please reinvestigate this matter and delete or correct the disputed item as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 CB/VICSCRT XXXX XXXX XXXX XXXX XXXX RE : We have disputed this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 
XXXX You are reporting a late payment in XX/XX/2021 yet XXXX is reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights. 

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

on XX/XX/2020 I have submitted my second round of dispute letters regarding inaccuracies pertaining to late payments on the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and the Department of Education/XXXX accounts, additionally my name and addresses are incorrect on my report as well as my current employer ( Should say XXXX XXXX, I have submitted this information to all three credit agencies, XXXX, XXXX and Transunion they continue to publish my name spelled wrong, incorrect addresses as well as unauthorized credit inquiries and late payments. I would like them removed as they are not accurate and are having a negative impact on my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A states : I have the right to privacy.

15 US 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 US 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 US 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 information is inaccurate.
Product: Checking or savings account

In XX/XX/XXXX I received a letter with a check from Wells fargo for {$38.00}. The letter indicated at some point a restraint had been issued to my account and this was compensation for the restraint. With lots of questions I called the number on the letter the first representative I spoke with told me she was not at Liberty to give me the information about the restraint that I was requesting. I asked for a supervisor, the supervisor repeated the same statement. I asked for another supervisor the third person I spoke with advised me that sometime between XXXX and XXXX a restraint was put on my account if I wanted additional information I would have to speak to Wells Fargo they did not have access to the information. I had been unaware I was speaking with a company other than Wells Fargo, he said the name of his company was XXXX. 
XX/XX/XXXX I called Wells Fargo customer service and was forwarded to the Wells Fargo remediation department, I spoke with XXXX who escalated my case to Executive Corporate Center case number XXXX. 
Shortly after I received an email from XXXX XXXX from the executive corporate offices. I called and left a voicemail, explaining that when she responded to my complaint there was a list of information I was requesting. Approximately 4 hours later I received a phone call from XXXX with none of they requested information she claimed she did not listen to my voice message that was left 4 hours prior. I explained the information I was looking for at which point she told me that I had to call XXXX, I explained for the second time I had called XXXX  and spoke to three people who forwarded me to Wells Fargo, she then advised me that she would be unable to assist me any further and not give me any of the information I was requesting. At that point I asked for her supervisor I was put on hold and then told they were finishing a meeting and I would receive a call right back. I told her I would wait to receive a call within the hour. I never received a call. 
XX/XX/XXXX I called back customer service and asked for the next Department of escalation that I was unsatisfied with XXXX 's lack of response and lack of supervisor`s return phone call. I spoke with XXXX who told me to call a different phone number the following morning. 
XX/XX/XXXX I waited for corporate to call me until XXXX a.m. eastern time at which point I called again, I spoke with XXXX in the Executive offices she said XXXX was XXXX 's lead she would look into the situation and she would return my call. I advised her I would be at work for the rest of the day at which point I was told she would send an email with the requested information and a follow-up phone call verifying that she had sent the email. 
XX/XX/XXXX XXXX pm I had not received an email nor a follow-up phone call from XXXX in the Executive offices, I called again with only a few minutes on my break, spoke to another girl whose name I do not have, I had to go back through the story again and was told somebody would follow up. To date there has been no follow-up from the Executive offices.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORTXXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the many unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to adversely affect my credit history, causing me significant distress and financial harm. I first identified the fraudulent items on my credit report. Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. This delay in addressing the issue has had severe repercussions on my financial stability and overall well-being. I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. An extensive investigation into the origins and validity of these accounts, which I believe to be the result of identity theft. Immediate removal of these fraudulent items from my credit report. An explanation for the protracted delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. I am asking for your assistance to remove the following fraud items : Please help me remove these Items XXXXXXXX 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: Student loan

I am in the  Public Service Loan Forgiveness Program . As a result, I was forced to transfer my student loans to the world 's worst loan servicer, Fed  Loan Servicing. I   was approved for the PSLF program in  XXXX   XXXX . I began making and accruing qualifying payments in  XXXX   XXXX  but continued to go to school. I filled out multiple in school deferment waivers during the period for each loan sequence because my current school kept adding loan sequences. In  XXXX  of  XXXX  I put in another deferment waiver for a SINGLE loan sequence from  XXXX  and Fed  Loan Servin g erased all of my qualifying payments for all of my loan sequences and reset them to zero. Of course, I have made multiple calls and been unable to resolve this with the loan servicer because their customer service is horrible, abysmal, and the worst in  America.
Product: Debt collection

The company, XXXX XXXX, is attempting to sue me in court for an outstanding loan last year. However, substantial payments made between XX/XX/XXXX and XXXX XXXX do not show in the bill of particulars. In XX/XX/XXXX, I received notices that the company was suing me if I didn't make payments from XX/XX/XXXX, through XX/XX/XXXX, when payments were made to prevent legal action. However, the payments were only applied to XX/XX/XXXX. In XX/XX/XXXX, I suffered a medical setback, and then my parent suffered a medical setback, which put me in serious medical hardship. I made a payment to XXXX in the first week of XXXX. XXXX and seek the aid of a XXXX XXXX XXXX to assist with making a budget and settlement payment, which XXXX has refused to cooperate with. XXXX XXXX advertised that the agency does work with debt management companies, it has failed to return emails and phone calls that started in XX/XX/XXXX to the current date. When some calls were answered by a person named XXXX, who is responsible for resolving matters with debt management companies, XXXX claimed she was not the person and referred the debt management company to a fictitious name. This debt collector has caused emotional stress and PTDS daily. I am in therapy treatment with medication, with charges that are questionable regarding the interest rate and the interest rate on the charged month I was advised by XXXX XXXX that the lump sum payments made in XX/XX/XXXX and XX/XX/XXXX will be credited to reduce the base amount. The charges applied from XX/XX/XXXX through XX/XX/XXXX are questionable after a lump sum payment of {$1500.00} was paid, which prevented me from paying per their request for a certain amount of time.