23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My first letter from the collection agency received in XX/XX/XXXX, which was dated XX/XX/XXXX. I received a statement for {$510.00}, and the letter stated intent to record a claim of lien. I immediately sent the initial dispute XX/XX/XXXX, as the amount due to the management company was paid as agreed of {$210.00}. I was disputing the interest, mail charges and other charges for a total of {$300.00}, and supplied a copy of the cashed check the management company received. We had made an arrangement to pay late and advised payment would be sent in XX/XX/XXXX due to damage from Hurricane Irma. 

Ticket was created XX/XX/XXXX, to dispute these charges. I Received response from collection agency on XX/XX/XXXX waiting on reply from management company, if no response case would be closed. XX/XX/XXXX, received notice of second request sent to management company, once again collection agency advised me if no response case would be closed. 

In the meantime I received a statement from the management company dated XX/XX/XXXX, showing they received the payment and there was a XXXX balance. 

XX/XX/XXXX, collection agency sent a response received from the management company and attached an invoice showing a XXXX  balance from management company. 

XX/XX/XXXX, I confirmed response and supplied all supporting documents to confirm payment was made and there were no fees due from the management company. 

XX/XX/XXXX, collection agency asked for proof and sent me a new invoice and added a {$100.00} fee XX/XX/XXXX, saying interest due. I sent a follow up the same day once again showing the initial payment dates and times of the initial payment arrangement and the invoice dated XX/XX/XXXX, showing a zero balance. I also disputed the additional {$100.00} because my ticket was still in dispute and we never heard back from the management company supposedly until XX/XX/XXXX. 

XX/XX/XXXX, collection agency sent response stating dispute being reviewed. 

XX/XX/XXXX, collection agency stated {$100.00} could be reversed since this was in dispute and stated I had to show burden of proof and they would ask management company for updated ledger. 

XX/XX/XXXX, I sent response with all supporting documents and provided my burden of proof they request. 

I never heard back from the collection agency with an updated balance, they never reversed the {$100.00} fee while I was in dispute and on XX/XX/XXXX, I received a letter from the collection agency stating a lien has been filed on my property, and I owe {$1200.00} by XX/XX/XXXX. The last I heard was my file was in dispute and I was awaiting an updated ledger. 

There is no breakdown of the {$1200.00}, and during this time my case was in dispute.
Product: Debt collection

I recently received a letter from a debt collection agency indicating I owe XXXX {$20000.00} ( plus interest ). I was reportedly out of compliance with my XXXX XXXX  XXXX contract. I was approved for the award, and in XX/XX/2019 I received a promotion within my agency ; however, it was at an unapproved site. I attempted to contact XXXX  via phone indicating I would not be participating in the yet-to-begin ( contract to begin XX/XX/2019 ) contract, as I was moving to another site. In XX/XX/2019, I received the award in my bank account. I attempted to return it and contacted XXXX, but they said I never canceled my contract ( even though I called earlier in the year ) ; they said I had to submit written notice, although I was not advised of that when I called to cancel. After attempting to dispute and resolve this issue for close to a year, I was required to pay back the {$20000.00} award PLUS over {$10000.00} in fees. {$20000.00} was easily covered, as I held the award in a savings account, because I kept trying to return it. I have attempted to contact XXXX, but they are unable to assist me or provide me with any information as to why I reportedly still owe XXXX {$20000.00}. I got my last paycheck and learned my wages are being garnished, in the amount of almost {$500.00}. I contacted my HR department to see if they could see what the deduction was for, and they can't see that information, only that it's a federal debt. Interestingly, I have received no notice or communication that my wages would be garnished, nor has my agency ( XXXX XXXX XXXX XXXX ), which is inappropriate, unprofessional, and negligent. Please contact me to discuss, and hopefully clarify/resolve this issue. I should never have received a notice from a debt collection agency that I owe XXXX money with XXXX contact from XXXX, and now that I'm formally disputing the debt with the debt collector, I should not have my wages garnished.
Product: Mortgage

In XX/XX/year>, we applied for hardship assistance with PNC due to increased financial strain from XXXX home improvement loans for a new roof, HVAC system, and impact windows. These XXXX financing payments are added to our property taxes, paid annually, which increased our monthly mortgage payments. Our designated contact was supposed to inform us of the hardship application approval and send a letter for us to sign and return by XX/XX/year>. However, we only received a call from our contact around XX/XX/year>, informing us that our application was canceled due to the unreturned signed form. We were told that we would have been up to date on past payments and that the next payment was due on XX/XX/year>. We would have been approved for a favorable new plan, which we would have gladly signed. We didn't receive the approval letter until the last week of XXXX after requesting it. Meanwhile, we fell behind on mortgage payments and entered foreclosure. Additionally, we had a health insurance premium of around {$1300.00} per month for my husband. We have now secured state assistance to cover this payment, giving us an extra {$1300.00} per month. We are awaiting final word from XXXX XXXX  to complete the hardship process with PNC Bank.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I have late payments on an account that I was never late on. Consumer reporting agencies have taken on a vital role and have the responsibility to have consumer information as accurate as possible. I have never been late on these accounts : XXXX XXXX / account number XXXX XXXX XXXX / account number XXXX Please investigate and provide proof with statements documenting that these payments were late. If proof can not be provided I request that these payments be updated or the accounts be removed from my credit report. 
Thank you.
Product: Credit card

I have a Citibank card through Home Depot, card ending in XXXX I have closed this account as I am not working and unemployed. I went on a plan to pay citibank {$25.00} a month until the credit card is paid off. My first two payments I made Citibank put into other accounts and did not credit me the money. They kept calling me and were extremely rude to me on the phone. I explained I paid, not only the current month, but next month 's payment early. They said they receive no payments. THEY DID. The supervisor realized how Citibank internal process routed my money to the wrong account and mistakenly sent one payment back to my bank. They apologized and gave me a slight credit on this account for the over 3 hours I spent on the phone clearing this up. 

NOW, Citibank found another mysterious account and is harassing me. I have asked them to stop calling my cell phone which I use as my home phone. My home line is just used for business faxes and emergencies. Now, Citibank is calling this line. Citibank is constantly calling my home fax line with a recording, even on Sunday AM. I asked them to communicate through mail with me but they continue to call me. I told them I do not know of any open account I have besides the Home Dept Account ending in XXXX. 

These draconian and rude practices are against the Fair Credit Reporting Act. After I set up a payment schedule on the Citibank card I know about, after they lost my payments, Citibank is now trying to collect on some other card I have never heard of. Citibank is harassing my family and me, on phone lines I have asked them not to call.
Product: Credit card

There's a credit card on my credit report from XXXX XXXXXXXX XXXX which was opened in XXXX of 2024 and the amount of XXXX with a balance of {$2000.00}. This is not my credit card I have never heard of this company I would like this information and credit card removed off of my credit report immediately I believe there was some fraudulent activity that was done in my information was stolen. After XXXX and a company they have very bad reviews and the common state that it is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, WF CRD SVC add a hard inquiriy on my credit report per XXXX  and XXXX. 
On XX/XX/2020, WF CRD SVC add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Debt collection

On XX/XX/2022, I received a letter from Commonwealth Financial Systems. This letter shows it was dated XX/XX/2022. This letter informed me they were attempting to collect a medical debt on behalf of XXXX XXXX XXXX, whom I had already disputed this debt with but never received any valid proof of in accordance to the New Regulation F. 

Upon receipt of this letter from this new agency, I sent a dispute via certified mail on XX/XX/2022 which shows a confirmed delivery of XX/XX/2022. When I woke up today - XX/XX/XXXX - I received a notification from my credit bureaus stating a new collection account was added to my report yesterday, and my score dropped XXXX POINTS! 

I NEVER received any sort of valid proof- as requested - about this debt nor did this company wait any " reasonable '' amount of time before adding this account to my major credit reports, causing detriment to my name. They waited ONE WEEK before reporting this, on the day my response shows delivered. I responded 3 days after I received this in my mailbox. This is not reasonable whatsoever. In my attempt to call them with a request to remove this from my report, they refused. They advised they mailed me a letter XX/XX/XXXX and had waited a " sufficient '' amount of time. They're in PA and I'm in TX. It is obvious time needs to be accounted for when waiting for a consumer to receive notice and respond regarding an alleged debt. 

What is the purpose of passing federal regulations if they are not going to be followed? I respectfully request you look into this matter and hold Commonwealth Financial Systems accountable for violation of 12 CFR Part 1006 ( a ) ( 1 ) ( ii ) ( Regulation F ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I am writing the complaint as Experian, XXXX and XXXX  has refused to remove and account that has been clearly cancelled by the debt cancellation XXXX XXXX  received from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was given a XXXX from XXXX and submitted in a dispute to experian to cancel the debt and have it removed from my credit report per fair credit reporting act. This can not be income and a debt at the same time. I have filed the XXXX on my income tax return which has officially made the previous debt now income. For some reason experian keeps reporting it as a charge off instead of honoring the fair credit reporting act and removing the debt from my credit report. I have tried to resolve this several time with no resolution from experian. What is the point of a debt being cancelled if it is not removed from credit report.
Product: Mortgage

XXXX XXXX XXXX reported my mortgage as paid in full in XX/XX/2010, but did not provide a satisfaction certificate to me. This information is also listed on my XXXX credit report but their alleged predecessor Nationstar Mortgage claims that I never paid. I am fighting a foreclosure to no end.
Product: Mortgage

I contacted USAA to obtain a homeowners quote in the second quarter of XXXX  XXXX executed the policy without consent, pulled money from my escrow account creating a deficit. When XXXX XXXX  XXXX XXXX XXXX attempted to bill escrow there wasn't enough funding to cover the payment. My mortgage payment increased {$400.00}. 

USAA also elected to take my refund from homeowners insurance and apply the premiums to my auto insurance coverage without my consent. 

A homeowners/windstorm policy was issued with a {$10000.00} deductible in lieu of {$2500.00} I was excessively overcharged for insurance coverage up to XXXX % over the state average cost on every policy issued by USAA I XXXX told that the funds applied to my auto coverage was an " annual dividend payment ''. Those were the refund premiums taken from my auto coverage. 

I contacted USAA to find out who gave them authorization to execute a homeowners policy and they provided no information. I have spent hours on the phone with USAA trying to get my policy limits squared away. I contacted XXXX XXXX, asked for a current replacement cost in XX/XX/2024. The cost to replace my home is less than $ XXXX but USAA insisted they had to provide $ XXXX $ XXXX for replacement costs and overcharged for coverage. I've spent nearly XXXX hours on the phone with USAA trying to remedy the problem. Today I elected to call a local insurance agent and have a policy issued with the correct limits of coverage and a reasonable premium.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

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

XXXX XXXX XXXX FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Incorrect personal info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union, XXXX, and XXXX have violated my rights. 

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 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 or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
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. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXXXXX Late Dates XXXX, XXXX XXXXXXXX XXXX XXXX Late Date XX/XX/22
Product: Credit card

I called Target RED card today ( XXXX XXXX ) to pay my credit card balance in full ( {$60.00} ) and was informed my balance is now {$86.00} due to me being hit with a {$25.00} late fee. My bill was actually due XXXX XXXX, not the XXXX. I explained that I was out of town and it just slipped my mind but with today being the next business day after the XXXX holiday and next business day after my bill was due, I assumed that I would have a grace period of some kind. They insist there is nothing they can do to waive it and that even if I spoke with a manager or supervisor they could n't waive it either. I find this rather egregious and ridiculous that if I am a mere XXXX days late, ( a holiday weekend no less ) that they will not work with me, especially when i am willing to pay my balance in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage pf and being ignored of my disputes.Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by XXXX breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudlent account tp be removed. I have attached my Drivers license and the FTC reports
Product: Credit card or prepaid card

XX/XX/XXXX I received a telephone call from XXXX XXXX ID # XXXX from XXXX ( print out on telephone screen said " XXXX XXXXXXXX '' ) stating that he could lower my credit card interest less than 50 % .XXXX XXXX stated that in order to lower credit cards interest rates he would have to charge an up-front fee but I would get it back. I gave him my XXXX XXXX XXXX XXXX XXXX XXXX Synchrony XXXX XXXX XXXX account numbers. He advised that he would send me an email and mail documents to me. I didn't received any correspondence. I first called XXXX XXXX XXXXXXXX on XX/XX/XXXX asking if XXXX XXXX worked there & was advised that he did not. I called XXXX XXXX on XX/XX/XXXX to report that I felt that I had been scammed and filed reports. 
Letters dated XX/XX/XXXX and XX/XX/XXXX - received the end of last week stating that since I released account number to third party, I am responsible for paying the money charged to my accounts..
Product: Debt collection

XXXX XXXX XXXX XXXX keeps calling myself and family stating they have a civil case locally and I need to call another number. I finally called the number because they were bothering relatives. They state they have a case from 2008, a Capitol One account which is in arrears. They state it is in active debt collection and even threatened to take my vehicle when I got nasty and said this is a scam and that that debt had been written off. This company is all over the internet doing this to countless people. They say they sent paperwork that they never sent. It's all a scam and they will sound very nasty and very knowledgeable about your life which would scare most people. By the way, I have a current Capitol One card so I must be in pretty good shape with the company now!
Product: Credit reporting or other personal consumer reports

I was in a wreck and my lease was paid off in full by XXXX XXXX in XXXX. I was never late on a payment and my monthly payment status shows this with each credit bureau. Initially, the remark on the account said 'natural disaster ' and then it was updated to 'early termination/ insurance loss ' On XX/XX/year>. This remark has caused my FICO to drop roughly XXXX points. This language is erroneously interpreted as derogatory with XXXX. Because of this language, XXXX is showing that I have this account with a XXXX and XXXX days late payment and 96 % accounts paid as agreed instead of 100 %, as it should be. However, when going through the monthly payment history, there has never been a late payment. For a resolution, I would like the remark 'early termination/insurance loss ' removed from this account or I would like the account totally removed from my credit history from each major credit bureau, XXXX XXXX its false and negative impact its having on my XXXX credit scores. Thank you.
Product: Credit reporting or other personal consumer reports

Company is reporting that I have 10 late payments on my credit report, which I have proof that Ive paid the loan throughout the duration of the time theyve reported it was late. They also closed my limited checking account that I opened with them that I intended to only use as an account that I would pay the loan from, without my knowledge or reason to why they closed my account. Which made it difficult to transfer money from an external account, which also resulted in late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion you are inviolation of FCRA 623 and FDCPA 806 { b } which statesthat a credyor must enter a notice of dispute if this is not entered the account can not report on the credit report BUT you still report it Knowing that its in dispute, .Also failure to report that the account is sold to who with no address or any information still listing as XXXX  , There is no last payment date No name of who account was sold Balance still showing no listing of in dispute REF : XXXX  CFPB there need not be another 60 day investigation you have all the document facts along with the CFPB showing that there is NO evidence that account is mine or ever made by myself. the two violations listed above in its self warrant the removal of the account immediately, the CFPB should enforce the violation from you to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have enough confidence in EXPERIAN to fulfill my request for my file disclosure. Too many other consumers are having problems with them not listening to the consumers ' needs. So I am utilizing the CFPB in order for me to acquire my file disclosure so I can insure the accuracy of my file.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized credit inquiries on my credit report. Upon reviewing my credit report, I noticed the following inquiries that l did not authorize. I did not apply for credit with these companies, nor did I give permission for them to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), unauthorized inquiries must be removed from my report.
Product: Credit reporting or other personal consumer reports

Experian is reporting my student loan with both the current servicer and the previous servicer and they are refusing to remove claims it's verified. That can't be true when I call the other company they say we no longer service your account your balance is XXXX. There's no updates from the old servicer just an amount.