23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently had a debt that I was paying off which was referred to TSI ( Transworld Systems IncXXXX ) for further collections actions, when the debt was received and I acknowledge the debt and let them know that the balance they were collecting on was incorrect and I would like to get a correct statement of the balance owed because the amount is incorrect since the payment is being made and the account is not being credited or updated with the current payment amount. 
The TSI representative was short and impatient was not helpful in researching what was being provided, at the beginning of the call the representative provided the mini Miranda and during the discussion of the debt I also referred back to the mini Miranda " this is an attempt to collect on a debt and any information obtained will be used for that purpose '' the amount you are collecting on is incorrect and since your balance and my balance is not matching and I am requesting validation of the debt amount and all the payments received on the account. 
The representative stated that they have no way of getting the information but they can get a validation of debt, I requested the validation of debt information to be mailed to me and to date nothing was mailed or received. 
I received a statement from the creditor which I sent to TSI for verification of payment received and posted correctly to the account.

Based on the fair debt collections practices TSI failed to carry out the proper verification of the debt which may result in an overpayment since the debt was paid off and no confirmed updates were sent communicated to the credit by TSI.

Please investigate TSI practices and communication methods to include aggressive collection practices and incorrect balances when verifying the debt that is owed. 
Please investigate this complaint promptly.
Product: Debt collection

XX/XX/XXXX I tried to cancel a gym membership at XXXX in XXXX XXXX because I moved out of state XX/XX/XXXX. I followed all the instructions to cancel my membership, paid I paid a {$50.00} cancellation fee, a check for {$100.00} and {$79.00} for membership dues outstanding. All of these checks were cashed by ABC Financial, the financial company for XXXX XXXX. I also mailed a copy of my Arizona ID and a letter expressing my wish to cancel by certified mail as they requested. ABC Financial continued to send letters saying my account was past due. When I called to find out if they received my cancellation letter, they said my Arizona ID was not readable, and therefore they could not cancel my membership! XX/XX/XXXX, I received a notice from a collection agency called XXXX XXXX XXXX, saying that I owed XXXX {$1400.00}. I ignored this notice, not realizing that this would turn up on my credit report and ruin my credit rating. This company is very disreputable and I made every effort to cancel my membership. I do not know what to do at this point but strongly dispute the claim that I owe them any money at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Deletion of Inaccurately Reported Account Dear Experian, I am writing to demand the immediate deletion of the inaccurately reported account : Account Name : XXXX Account Number : XXXX This account is being inaccurately reported as having a charged-off status month after month, which is legally and factually incorrect. As you are well aware, an account can only be charged off once, and any subsequent reporting of a charge-off status month after month constitutes false and misleading information. 
Your failure to accurately report this account is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in the information they report.

This account must be completely deleted from my credit report within four ( 4 ) days of your receipt of this letter. I also demand that you do not attempt to update or modify the account in any way, as I have already obtained a copy of my credit report showing the existing inaccuracies.

Under FCRA 1681n, I am entitled to {$1000.00} per violation for your failure to comply with the law. However, I am giving you the opportunity to resolve this matter amicably and avoid further escalation. All you need to do is remove the account from my credit report immediately. 
I trust that Experian will act promptly and appropriately to resolve this issue without further delays. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Navy Federal Credit Union, issued me a credit card with a balance of XXXX. 

During the pandemic in 2021 I went to XXXX and was a victim of credit card fraud. My credit cards wallet were stolen and I had a difficult time returning to the United States. 

I finally returned in the fall on 2021 and began looking into my credit card problems, While reviewing my credit card I noticed that my high credit card was used repeatedly fraudulently in many location in XXXX that I did not travel to. 

Navy Federal cleared the charges in early XXXX after poor communication from its fraud department. Then they removed the charges, I did not use the card because i was scared to and therefore waited. The Navy Federal staff noticed that I was not using the card and after almost XXXX months the issues a letter stating the fraud did not occur and that i was responsible they imidietly started charging interest and I tried to appeal but the issue persist.
Product: Payday loan

my wife and i took out  XXXX  catcall loans for {$2500.00} each during the  XXXX  of  XXXX  or   XXXX   when we missed payments they wanted everything in full with huge interest attached. we could not pay they called and harassed and sent letters about a year ago they gave the accounts or sold not sure to an attorney in los angeles now they want over {$30000.00} dollars in interest and they have put judgments on us for this. i do not feel like these dollar amounts are legitimate and have been reading articles that catcall was over charging customers with interest and had lost a lawsuit the attorney who has or works with catcall is  XXXX   XXXX   XXXX   XXXX  CA  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX  CA  XXXX   XXXX  also cash call should have the records my name is  XXXX   XXXX  and my wife is  XXXX   XXXX
Product: Credit card or prepaid card

I have a Chase Mileage Plus Explorer Credit Card and have been a member for since XX/XX/XXXX. In XX/XX/XXXX, I was charged an annual fee of {$94.00}. I requested Chase refund the fee and close the account. They refused to refund the fee so I kept the account open and began to use the card. 

I have a {$25000.00} card limit. In XX/XX/XXXX, I charged about {$4000.00} on the card which was paid off via direct debit in full and on time. It was the first time I had ever used the card. Chase then subsequently cancelled my card for " rapid increase in revolving balance. '' ( Of course there was a rapid increase as I had never previously used the card. However, this cancellation seems unjustified as I used less than 20 % of my overall limit and retired the balance in full at the end of the month ). I contacted Chase requesting they either refund a pro-rata portion of the annual fee or reinstate my card but have been completely stone-walled by unempowered customer service representatives. 

Since XXXX, I have rung Chase 5 times and been referred to multiple different parties. I have also used their secure messaging facility and exchanged over 14 messages with them. All these contact mediums have done is refer me back and forth to one another. No single party is empowered to deal with this issue. I have also written to Chase Card Services, Executive Office, XXXX XXXX XXXX, XXXX, OH setting out my complaint. Not once, other than on the secure messaging site, has Chase ever contacted me about this matter. 
As I am overseas, I have repeatedly requested a call back on my overseas number or an email contact. There has been no response whatsoever.
Product: Vehicle loan or lease

XXXX, XXXX, XXXX of XXXX is missing payment information and XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment of {$160.00} and it's in dispute since XX/XX/2022 they will not remove this amount while it's in dispute. I've sent them the cancel check from my bank. And they are still adding interest fees to this amount. Please help. Thank you, XXXX
Product: Credit card or prepaid card

Chime has closed my account for no reason at all and have left me in a bind. I had plans XXXX in a couple of days and was paying out of pocket cant now because they have all my money. I havent done anything illegal yet they closed it and holding my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

About a year ago my credit rating number declined because I closed some large accounts I was no longer using and my credit to use balance increased and impacted my rating. I have been slowly lowering the debt on my credit cards which seems to be the only negative factor. 

1, A short term loan I took from XXXX continues to appear on my credit account although it was repaid a month ago after 10 days of use, 2. Despite the fact that my credit in use balance lowered 2 % this week despite the incorrect loan, my credit rating number declined 6 points It still should have declined as there are no other cedit factors in question. 

XXXX was unable to address either of my problems. They referred me to Experian which was only able to open an inquiry on the XXXX loan. They show XXXX balance on line when I ask for a print out. 


I think they may be able to correct the XXXX issuebut have no idea why mycredit declined. Both entities seem to have no ability to address a mistake. They just correlate information they receive. 

This is disturbing and time consuming and neither could offer a direction to a remedy on the second problem. I am also concerned that the XXXX loan debit has been on the books and my records longer than I have had the loan.,
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened XXXX XXXX, 2017 XXXX {$100.00}
Product: Debt collection

I have no idea what this debt is or whom is it with. I have tried to validate the debt and I still am not told whom the debt it with. The debt will be removed from me credit report. Then a month or two later it is placed on with a new starting date that starts the statute of limitations over ... .on a debt I know NOTHING of.

AFNI, INC.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach. I have included proof from Equifax that I am a victim but they have done nothing to resolve problem.
Product: Debt collection

Received a couple of calls from a Mr. XXXX allegedly to perform an audit for a client. Left a callback number XXXX. I called the number requesting more information. They advised me that it was on a debt on a XXXX XXXX XXXX truck which was repossessed in XXXX. 13 years past the statute of limitations in Florida! They threatened they would see me in court and hung up. I called back several times and they avoided my call. After a few phone calls someone picked up and I advise them that the statute of limitations has already passed and my attorney will be contacting them with a cease and desist order. They provided me with the company information and mailing address and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the age of a medical bill at least 4 different times including sending proof of the age of this bill. It is over 7 years old. Credit Bureau says collection agency is verifying the debt yet no one can provide any proof of the debt. I was able to have the original creditor track down proof of the age of these debts from a storage unit. I sent those in to Experian and 3 days later got a response that collection agency verified and it remains. Of course the collection agency is going to say its balid they want to collect on it. Im at my wits end and need help getting this updated on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I started chapter XXXX bankruptcy. Everything but the mortgage was put into the bankruptcy. I have gotten XXXX to fix their issues with my report. But I still can't get Experian and XXXX XXXX to fix theirs. 
My mortgage is not included in the bankruptcy, it isn't closed, and I have never had a delinquent payment. They say I have a derogatory account. The account is XXXX XXXX XXXX XXXX These same to companies have started a new inaccurate account that was already in the bankruptcy. They also say this one is a derogatory status. The account is XXXX XXXX XXXX. 
I have disputed the mortgage information the whole time, and now I am disputing the information for XXXX XXXX XXXX. 
It's almost 2 years that I have been disputing this misinformation, and my credit rating is just as bad then as it is now. 
XXXX shows I have a credit rating of XXXX, whereas XXXX XXXX has my score at XXXX and Experian as XXXX. 
My credit was in good standing the day I filed the bankruptcy, and it even shows on XXXX XXXX report that I was in good standing. So how could I have both of these accounts in derogatory now when I started the bankruptcy, they were fine? 
I have contacted both XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  and both have said they are reporting to you the same as what they were when the bankruptcy started. 
I have sent this information numerous times about what is included in the bankruptcy and what it is good standing.
Product: Credit reporting or other personal consumer reports

I have been a XXXX XXXX  member utilizing their credit cards since XXXX and have paid my credit card payments there on-time ever since. I also have never missed a payment from any other credit company/loan payment in my entire life of utilizing credit. 

I was not aware of a balance that was on one of my XXXX XXXX  XXXX XXXX ( {$2200.00} ). I had made my payments on-time every month thus far, and in XX/XX/XXXX was when my payment went past-due. Please keep in mind I was set-up for paperless billing and also alerts regarding my accounts, but I never received any notifications and calls regarding the past-due balance. I did not know any of this was happening up until this week ( XX/XX/XXXX ) when I received a text notifying me that XXXX XXXX  was calling me in regards to my account. I immediately made the payment upon notification and called XXXX XXXX  customer service to discuss the issue. 

Upon answering from a customer service representative, I notified them of the issue. They had simply told me I had been enrolled in notifications since XXXX and that I should have been receiving emails this whole time. I verified my e-mail address with them, and they told me that it was on my account. I had let them know I do not have any record of receiving statements ( I checked my Junk + Spam folders as well ) and they simply told me they do not know what to tell me and it is my fault that I am not receiving the correspondence. I had responded that I have never missed a payment my whole entire life utilizing credit and that should I had been notified, I would have immediately made the minimum payment. They told me every day XXXX XXXX  was calling me since XX/XX/XXXX to let me know, however, I never received any phone calls ( I can pull my phone records to prove, if necessary ). I am frustrated and upset that they are wanting to report a late payment for something a ). I was not aware of and b ). I was never notified of up until it was almost 2 months late.
Product: Debt collection

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

Account:13800XXXX Account : XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account:XXXX Has violated my rights. 
XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604nA 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. 168s-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

XXXXXXXX XXXX XXXX repeatedly harasses me via phone calls, Ive recorded XXXX since Tuesday, they have been doing this for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX PARTICIPATING IN IDENTITY THEFT XXXX XXXX Last4 : XXXX DOB :  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Hello, Again with a complaint against XXXX, XXXX AND TRANSUNION in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against XXXX and all CRAs listing erroneous accounts under my name and social security number. 
XXXX, TRANSUNION AND XXXX are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the 100th time I have made specific demands against this felonious organization to remove such information from my XXXX credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX : BAL : {$12000.00} XXXX XXXX XXXX-BAL : {$12000.00} XXXX XXXX XXXX-BAL : {$1600.00} As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I ahve opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX, XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX *********THE FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CT, XXXX XXXX XXXX CT
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report. It showed 2  credit inquiries made by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX on XX/XX/XXXX and XX/XX/2018. I sent them a USPS Priority Letter disputing the inquiries. My letter was returned undeliverable RETURN to SENDER. These inquiries must be deleted.
Product: Credit card or prepaid card

My credit limit dropped from over XXXX to XXXX. I don't know why the limit dropped. It has dropped out of nowhere. I couldn't even make a purchase.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$70.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX {$210.00} Bankruptcy XXXX XXXX XXXX Date Filed XX/XX/XXXX Docket Identifier XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$210.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$4000.00} AR XXXX Original Creditor XXXX  XXXX XXXX {$3500.00} XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX Original Creditor XXXX XXXX Balance {$890.00} XXXX Original Creditor XXXX XXXX XXXX  XXXX Balance {$620.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$610.00} Bankruptcy XXXX XXXX XXXX Date XXXX XX/XX/XXXX Docket Identifier XXXX XXXX XX/XX/XXXX XXXX MO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, This is a formal letter requesting an investigation into the loans listed with the account numbers : XXXX XXXX I never took these loans out. I sent electronic communication to XXXX via the online portal, and they directed me to a website to view my MPN. I clicked on the link and it wants me to SIGN one, not view one that has already been completed. 
ALL of my student loans are through XXXX, and if there are any listed with my name and SSN with this company, they are fraudulent and I need to know the dispute process to get these removed from my name and my credit report. 
Thank you, XXXX XXXX