23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a big problem that I'm encountering with. So a university 's cashiering office in XXXX, VA claims that I owe the debt to the school. But I claim that I don't them money. Same thing with this debt collection called Todd, Bremer, and Lawson. They were begging and keep asking me like threatening me that they want the money amount from me. I don't have enough money to cover that amount. This has been going on for months since XXXX or XXXX of 2018. I may feel that both are gon na file a lawsuit and pressing charges against me in court. Am I protected under the FDCPA? I don't know if I'm gon na go to jail if I don't pay the debt to the university cashiering office and Todd, Bremer, and Lawson agency. They also were keep calling me and sending me letters about paying up the debt, but they also begged as well. I'm trying to resolve this issue, but it didn't work for me. Both have all of my information such as address, email, phone number, and other stuff on file just like looking into my information. I want them to remove all of it for good so I won't receive anything in email or mail. I don't have enough to pay the debt, they were begging me and I don't have a job that I'm working.
Product: Debt collection

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal per 15 USC 6802.

Upload to cfpb have u tried to remove : yes For inquiries use 15 USC 1681 permissible purposes : 16 cfr 313.1 privacy of consumer information
Product: Mortgage

Hello I send a complaint last month about Residential Credit Solutions. I was following up to see if there was any results. I do n't want to lose my home. I was asking about a mortgage that was discharged in a Chapter XXXX and still being charged the full amounts of the loan. My mortgage was sold to Residential Credit Solutions from XXXX XXXX XXXX. My mortgage amount should be much lower from my records of payments to XXXX XXXX XXXX and Residential Credit Solutions. On my credit reports, Residential Credit Solution, reports my mortgage as " XXXX ''. However, according to Residential Credit Solution payoff amounts, it is almost the same as the original cost of my home, which was {$95000.00} in 1993, when I purchased my home.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX concerning their inaccurate reporting practices to the Consumer Reporting Agencies. 

My complaint pertains to the following issues : XXXX. Inaccurate Reporting to Credit Bureaus : XXXX XXXX XXXX XXXX has reported a collection account on my credit report, but it does not appear on all three major credit bureaus ( XXXX, Equifax, and XXXX ) .Specifically, the account in question is reported to only TWO of the three bureaus, leading to incomplete and inaccurate information on my credit reports. 

XXXX. Impact on Credit Score and Credit History : The lack of reporting to all three bureaus is negatively impacting my credit score and credit history. Accurate and complete reporting is crucial for maintaining a fair and accurate credit profile, and the omission of this information from one of the bureaus is causing undue harm. 

The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. I have been disputing the following account and it keeps getting validated. XXXX XXXX XXXX XXXX Account XXXX is in due fact reporting INACCURATE and XXXX has a DUTY to report only ACCURATE information. 

I have attached my mailing receipts/ Exhibits to this Complaint proving the inaccurate reporting. 

XXXX CERTIFIED MAILXXXX XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED MAILXXXX XXXX XXXX XXXX XXXX XXXX It is ILLEGAL to retain or report misleading or unproven information, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally expressed allegation ( s ) here and now. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information. ALL claims, undoubted or not, must be confirmed to be currently and fully true, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and mandated standards, which is currently the FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS, and others, letter laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to maintain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be veridical, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 

XXXX : XXXX, Beneficiary WithOut Prejudice
Product: Payday loan, title loan, or personal loan

I initiated a balance transfer for {$7200.00} from XXXX XXXX to Wells Fargo bank onXX/XX/XXXX. It is now XX/XX/XXXX ( a month and a half ) and I still have not received the money. I 've called Wells Fargo over 10-15 times over the last 2-3 weeks and all they keep saying is they are investigating. When speaking to some representatives they mentioned they ca n't call out from their center. I asked well " How do you reach out to investigate if you ca n't reach out to anyone? '' I had XXXX fax them a copy of the cashed check and I faxed them a copy on XX/XX/XXXX that shows Wells Fargo cashed the check on XX/XX/XXXX and they still have not credited my account and released the funds.
Product: Credit reporting or other personal consumer reports

I have been submitting various requests to Transunion, XXXX and XXXX to have my payment history updated to reflect accuracy. Each agency is reporting different info for months XXXX and XX/XX/2023. They are illegally reporting inaccuracies on my profile. Furthermore this data should be excluded from my consumer report or reflect applicable to me. I have advised the credit agency of the errors and of my rights that are not being obeyed. Transunion sent a letter saying info verified but provided no proof of verification as I requested.
Product: Mortgage

Date : XX/XX/2022 at approximately XXXX PST. 

United wholesale mortgage ( UWM ) does not have oversight of required insurance policies. I received a notification to update my XXXX XXXX XXXX XXXX and to submit my insurance information through XXXX XXXX XXXX The notification indicate my condo policy expired on XX/XX/2022. 
But my policy shows the policy expires on XX/XX/2022. 
I uploaded my policy, and it was rejected without reason. 
I tried contacting a representative about it. 

But the webpage XXXX XXXX XXXX does not have a working contact number ( XXXX ) XXXX as indicated was discontinued. So I contacted the representative over at UWM servicing about my insurance submission at XXXX the representative told me she was not able to make any updates to the account regarding the insurance policy I have submitted. In addition, can only advise me to re-submit the same policy through the same portal, without a field for explanation. 

My property is a Condo so the master policy is under the HOA association 's name. However I can't communicate this fact to the servicer because the system doesn't allow it. I have also gotten a personal XXXX insurance under my specific name and uploaded that onto the portal just to attempt to resolve the issue. But I was still rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I recently opened up a XXXX XXXX credit card through Comenity Bank. I purchased around {$19000.00} of furniture from XXXX XXXX and received my first bill for {$6000.00} in XXXX of XXXX. The bill was due on XX/XX/XXXX and we mailed out the bill on XX/XX/XXXX for the full balance of {$6000.00}. Yesterday ( XX/XX/XXXX ) I received my second bill and the bill said I owe {$29.00} late fee and {$210.00} interest charge. I thought there must be some kind of mistake so I promptly called XXXX to discuss my bill. XXXX said that. they didn't receive my first payment until XX/XX/XXXX, which was 5 days late. I explained that we sent out the bill a week before and that should be plenty of time to receive the payment. Our bank withdrew the money on XX/XX/XXXX. We explained that it's not our fault if the post office is running behind. Since we are a new customer with great credit and spent a lot of money at XXXX XXXX, we asked if they could please refund the interest charge and late fee. They said we can refund the {$29.00} late fee but not the interest charges. They said we shouldn't have sent the payment through the mail, it's not our problem. I have never received such HORRIBLE customer service from any credit card company. It's not our fault that it's COVID and the mail is running behind. We shouldn't be penalized from using the post office. We went to support them during this difficult time. After I didn't get anywhere with the first agent at XXXX, I asked to talk to a manager. The next person, said the same thing and was very matter of fact. I asked to be transferred to highest person that was available and I wouldn't get off the line until I got a reversal on the interest rate charged. I waited on line for over an hour without being connected to next manager. I hung up the phone and called again and again got the same response. XXXX didn't say I'm sorry that we can't reverse the charge, they just basically said your out of luck. I hung up the phone and researched if their were complaints about XXXX and found thousands of complaints about the company and that they had horrible customer service. And I saw that they had numerous law suits as well. In addition, I received a robo call a few weeks ago and I could barely understand the recording. But I listened to the call again today and it seemed to be from Comenity Bank saying we call help you with your bill but I thought it was a call from a company trying to rip me off. I have never had an issue with paying my bill and felt that I was treated horribly being a brand new customer who pays their bills in full. I shouldn't be penalized for the delay from the post office. I would really like a refund for the interest charges and I really want the company how horribly they treat their customers. I will tell everyone not to get a credit card from them. I also want others to know about this terrible company. Thank you so much for you help in this matter. Also, we just paid off the next bill in full om XX/XX/XXXX so we wouldn't incur anymore interest charges.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on 0XX/XX/2024, and I have not yet received a response.
Product: Student loan

I have multiple concerns about EdFinancial. 

I called them multiple times this month to get information on the SAVE plan. They have over a two day wait period for callbacks and several times I did not receive any callback. When I finally did, I was told wrong information about consolidation and PSLF. The service representative did not seem to know what consolidation was. She also could not tell me when my grace period ended or when my payments were due ( she told me the wrong date and when I said that the website said a different date, she was confused and told me she didn't know ). 

Secondly, EdFinancial sent me a letter XX/XX/2023 stating that I owed over {$2000.00} in interest on my loans. However, the XXXX website ( updated as of XX/XX/2023 ) showed I only owed {$1200.00} in total interest. I am not sure how EdFinancial is calculating their loan interest but it seems like they are scamming lenders.
Product: Checking or savings account

This company failed to resolve my complaint submitted on XX/XX/XXXX in the same fashion as my husband which was also affected by this involuntary conversion from a fee-free account at XXXX to Citizens. I requested all the fees be refunded and this account closed with a check sent to the address provided. My husband requested this and received it in XX/XX/XXXX. I got different treatment however where the representative refunded my fees accumulated so far, but DID NOT reach out to me as claimed by e-mail ( it looks like they transcribed my address wrong - it's XXXX, not XXXX, a really obvious and sloppy error ) and kept my account open against my wishes. I have never encountered a bank refusing to close my account and send me a check for the balance. They did this deliberately to keep charging me the fee and added another frivilous fee for statements WHICH I ALSO DID NOT REQUEST. I have tried contacting this representative by phone but it always go to voicemail. The number they provide to call for general customer service has NO WAY to exit from the automated phone tree and talk to a live agent. This is the worst bank.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received an " automated '' text message from Portfolio Recovery Associates on XX/XX/XXXX regarding a debt that they purchased through someone else. I unsubscribed to receive messages/telephone calls from said debt collector. I then received a phone call from them on XX/XX/XXXX at XXXXXXXX XXXX and again XX/XX/XXXX at XXXXXXXX XXXX. I rejected both calls as I had already unsubscribed from receiving calls/text messages from the debt collector. Then on XX/XX/XXXX, I received another " automated '' text message from Portfolio Recovery Associates, to which I attempted to unsubscribe once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Account Number : Current Employer : XXXX  2. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX md XXXX 3. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX  XXXX XXXX md XXXX 4. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX nc XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX  has 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Can you take a look at this account it does not look correct. The dates when the account was charged off .Also my name and address is incorrect on XXXX and XXXX XXXX well as previous address are incorrect with some company for that I'm not apart of I had previously contacted them too let them know I had a debt consolidation company i was working with and they were apart of it and they automatically charged the account off and sold the account to an investment LLc.
Product: Checking or savings account

CALLING INTO RUDE UNPROFESSIONAL CITI BANK ONCE AGAIN I HAVE TO DEAL WITH SOME INCOMPETENT PHONE PERSON. I CALLED IN TO SEE AB OUT WHY I WAS CHARGED A XXXX DOLLAR FEE FOR A XXXX DOLLAR MONTH. I TALKED TO XXXX WHO ARGUED WITH ME ON THE PHONE ON XX/XX/2020 @ XXXX XXXX XXXX BEGAN TO RANT AT ME TELLING ME THAT I SHOULDN'T HAVE LET MY ACCOUNT GET TO XXXX AND I NEED TO KEEP MONEY IN MY ACCOUNT DICTATING TO ME WHAT I SHOULD AND SHOULD NOT DO IN MY ACCOUNT. THEN TAKING THINGS FURTHER TO SIT HERE AND OVER TALK ME AS IF I WAS A CHILD. THEN WHEN ASKING TO SPEAK TO HIS SUPERVISOR HE WANTED TO SIT THERE AND LAUGH AND BE ARGUMENTATIVE EVEN FURTHER AND KEEP INSULTING ME TELLING ME THAT I SHOULD HAVE KEPT MONEY IN MY ACCOUNT AND TO FURTHER INSULT ME HE REFUSED TO TRANSFER ME TO A SUPERVISOR AND THEN CONTINUED TRYING TO OVER TALK ME AND LAUGH AND TELL ME I SHOULD HAVE KEPT MONEY IN MY ACCOUNT. JUST XXXX   CONTINUED SERVICE FROM CITI BANK. AT THIS POINT I WILL BE FILING A SMALL CLAIMS AGAINST THE COMPANY AND SENDING THEM PROPER NOTICE AS OF TODAY. I AM SICK AND TIRED OF THESE XXXX BAD ENGLISH SPEAKING FOREIGN LOW UNPROFESSIONAL PEOPLE ON THE PHONE THEN THIS XXXX WANTS TO SIT HERE AND JUST HAVE A ARGUMENT LIKE WE'RE TWO PEOPLE ON THE STREETS IM SICK OF CITI BANK 'S HORRIBLE CUSTOMER SERVICE. I WILL NOT TOLERATE THIS ANY FURTHER.
Product: Debt collection

I am extremely concerned about privacy practices of this company. 
I was shopping for a new car and noticed a recent reporting from a collections agency. I disputed the charge in collections because I had already paid it to the property management company in XX/XX/2015 shortly after vacating the property. In response to my dispute, I received a letter informing me it is my debt to be paid and please refer to the lease attached. 
The lease attached was for an entirely different person at a different property managed by the same company. The letters included the full lease and all certified letters sent to this individual. I contacted the woman to inform her they had made this mistake and warn her to watch her credit report just in case they had done this before. She informed me she has had issues with identify theft and has been trying to dispute this charge for quite some time. I sent her a copy of the letter that was sent to me for her records. 
The order that the papers were in appears as though someone grabbed from a stack and assumed all of the papers below the letter addressed to me were mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$29.00}
Product: Checking or savings account

{$220.00} if late fees on {$4.00}, on an account that XXXX removed this {$4.00} but Truist never did.and charged late fees after I closed account. I had {$4.00} and possible {$22.00} in late fees before I closed my account because Truist did not undertstand how XXXX could remove these amounts. 
Credit Agency 's says Truist will not remove. Should I pay this and file small claims lawsuit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING THIS COMPLAIN WITH XXXX   AND TRANSUNION, I HAVE TRIED SEVERAL TIMES TO REACH OUT TO THEM SENT THEM ALL NECESSARY DOCUMENTS, AND XXXX   TRANSUNION REFUSE TO REMOVE THE ACCOUNTS FROM MY CREDIT REPORT, I HAVE SUBMITTED MY FTC IDENTITY THEFT REPORT, THEY HAVE NO PROOF OR SIGNATURES THAT THESE ACCOUNTS BELONG TO ME, I AM A VICTIM OF IDENTITY THEFT, THEY BOTH ADVISED THAT THEY DO NOT COMPLY WITH FEDERAL REGULATION SECTION 605B IN THE FCRA. THEY STATED THEY HAVE THEIR OWN RULES AND PROCEDURES AND THEY DO NOT COMPLY WITH FEDERAL RULES AND REGULATIONS. SUBMITTING ACCURACY WITH NO VIABLE EVIDENCE DOES NOT CONSTITUTE THAT I AM THE OWNER OF THE ACCOUNT. I HAVE TRIED SEVERAL TIMES REACHING OUT TO THEM AND THE CREDITORS WHO ARE XXXX AND XXXX XXXX. I AM SICK AND TIRED OF REACHING OUT TO THEM AND BEING THROWN AND TRANSFERRED FROM ONE DEPARTMENT TO ANOTHER WITH NO FINAL RESOLUTION. I AM SO FUROUS AND FRUSTRATED AND DO NOT WISH TO DEAL WITH THEM ANYMORE, ITS ENOUGH TO SAY THAT THEY DONT COMPLY WITH FEDERAL RULES AND REGULATIONS THEY ONLY COMPLY WITH THEIR COMPANIES RULE AND PROCEDURES, AND I EXPLAINED TO THEM BEFORE YOUR COMPANIES RULES AND PROCEDURES YOU MUST COMPLY WITH THE FEDERAL RULES AND PROCEDURES. THIS IS HORRIFIC CUSTOMER SERVICE.
Product: Credit card or prepaid card

I am moving so I went online to change my address with Upgrade. There was not option to change my address online so I called customer service. I authenticated my account by providing my current address, phone number, last 4 of my social, and the last 4 of the bank account used to make payments. The customer service rep placed me on hold then came back to say I had to email the request to servicing @ upgrade.com along with a utility bill or my bank statement in order to change my address. I then emailed a letter from XXXX XXXX confirming I had ordered new service at my new address I received a reply saying that was not good enough. They asked me to send my bank statement as proof I had changed my address with my bank. My bank statement in confidential so I emailed them my new lease, the letter from XXXX  XXXX, and an email confirmation from XXXX where I ordered internet service at my new address. Upgrade again refused to change my address. I was able to change my address with my bank online and all of my credit cards on line with very little effort. My concern is by refusing to change my address I won't be able to pay Upgrade because my bank has my new address and Upgrade has my old address. It seems like a ploy on Upgrade 's part to prevent me from making payments or to gain access to PPI that they don't need and are not entitled to which is not acceptable. I need help to resolve this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to XXXX XXXX in XXXX NY. I tried to purchase a trailer ( SKU XXXX ) with a virtual credit card from Affirm Financial When the store tried to run the card it said the card was declined/ not enough funds. So the purchase was declined. I never purchased the trailer. Affirm is still trying to make me pay for this transaction that I never received. I have asked Affirm to cancel this transaction for me and they continue to say that this transaction can't be cancelled because it shows processing through XXXX XXXX but the purchase never went through it was DECLINED. Affirm is making me pay for something that I never received because there card did not work.