23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Rent Recover Solutions is attempting to collect an alleged debt. I have sent the company a cease and desist along with a debt validation letter and there has been no response from the company, and they continue to furnish this information on my consumer report.
Product: Credit card or prepaid card

I received a notice from LL Bean Mastercard and Credit Card Services ( account # XXXX ) informing me that my case regarding a dispute had been investigated and has been closed. The case # is XXXX. According to the documentation this occured on XX/XX/2023. The Merchants name accrding to the paperwork is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone Number XXXX XXXX XXXX. The transaction amount is in the amount of {$410.00} on XX/XX/2023. The merchant reference number is XXXX. Refering to page XXXX of the dispute paperwork in question you will take notice that the majority of the page is in the Spanish language. The address and name are mine. But the other information is in XXXX. The transaction took place in XXXX XXXX, XXXX. I can not understand the rest of the information because it is in XXXX. I do not live, work, or stay in XXXX, therefore my card has been compromised. I am of XXXX and XXXX origin. I have no relatives or communications with any person or organization in XXXX. I have had no business or personal dealings with anyone from XXXX, living in XXXX, working, in XXXX, or otherwise staying in XXXX. On page XXXX there is a company named XXXX XXXX  listing flight information including general policies, flight change policy, and flight changes. I have never flown via/with XXXX XXXX XXXX I am not familiar with and had never known of or had any dealings with them of any kind whatsoever. On page XXXX of the documents from LLBean Master Card it includes the acception of and terms and conditions of the flight in question. I speak very little XXXX and nothing on these documents looks familiar at all.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies on my credit report and to address concerns regarding the handling of my disputes by Equifax, Experian, and TransUnion. Despite submitting disputes regarding certain accounts, I have not received clear or complete information about the data these credit reporting agencies ( CRAs ) received or relied upon to verify the disputed items. Additionally, I have noticed that charged-off accounts, which were previously removed or resolved, have reappeared on my credit report without explanation.

Key Issues : Failure to Provide Information : After disputing specific items on my credit report, I requested that Equifax, Experian, and TransUnion provide me with the information they used to verify the disputed accounts. However, they have failed to provide this information, which is necessary for me to understand how they reached their conclusions.

Reappearance of Charged-Off Accounts : Certain charged-off accounts that were previously removed or resolved have reappeared on my credit report. This is causing confusion and negatively impacting my credit score. I did not receive any notification or explanation from the CRAs about why these accounts have reappeared.

Actions Taken : I submitted disputes to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report, including charged-off accounts and other incorrect information.

I followed up with the CRAs to request the specific information they used to verify the disputed items.

I noticed that the charged-off accounts had reappeared on my credit report without any prior notice or explanation.

Requested Resolution : Provide me with the specific information used to verify the disputed accounts, including documentation or communication from the data furnishers.

Remove the reappeared charged-off accounts from my credit report unless you can provide valid evidence that they are accurate and properly verified.

Conduct a thorough investigation into these issues and ensure my credit report is updated to reflect accurate and verified information.

Please address these concerns promptly and provide a detailed response. If additional information is needed to identify my account, I will provide it upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$870.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance Owed : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance Owed : {$720.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX****Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Checking or savings account

I opened a new Citibank Priority Checking account via a promotional offer over 3 months ago. Based on this promotional offer, after I deposit {$50000.00} new money into my Citi Priority checking account and keep the balance for 60 days, I should receive {$700.00} bonus in my Citi priority checking account. 

I have met all the requirements of this Citibank promotional offer. However, so far I have NOT received the {$700.00} bonus in my Citi priority checking account yet. I request Citibank to post the {$700.00} bonus to my Citi priority checking immediately without any further delay.
Product: Mortgage

I had received a notice from the mortgage company stating that our escrow account is short. Which surprised me because I had contributed extra money towards the escrow account to compensate for the shortage. On XXXX XXXX, 2015 I had called the mortgage company asking for a review of the escrow account. I was told that the extra monies were placed in the wrong account and would be fixed and I would be receiving an escrow analysis in the mail in 7 business days. As of today, I never received an analysis or an explanation to where the money had gone. I had also sent a letter regarding this with my XXXX mortgage payment, still with out any reply. I do n't feel that they should n't be allowed to play with my money without a clue to where they put it. I feel this is fraud.
Product: Vehicle loan or lease

I certified mailed to Citizens Bank auto finance department and they received it on XX/XX/XXXX all required documents and identification required so that they were informed of the account they are reporting on my credit report is fraudulent and I am a victim of identity theft. I demanded that they due a investigation into the matter and remove it from my credit report immediately. They have since sent me a incomplete investigation with partial paperwork going back only 2 years on a account opened in XXXX. They stated that their investigation validated and verified the debt as mine using addresses and other information that does not belong to me. They have since updated my credit report with notes and still reporting the debt. I have disputed this with all three CRA with only to hear back that citizens has verified the debt. I have spoke with them on the phone about this and they are rude and do not care to rectify their mistake. I have been homeless for over two years due to Citizens fraudulent business practices. I have suffered monumental mental health problems due to this as well as not being able to acquire housing due to the damaging info they report on my credit report. I am currently in a XX/XX/XXXX and I have acquired free legal council on this matter and will be moving forward with a lawsuit. This Bank will be held responsible for their actions if its the last thing i do.
Product: Debt collection

XX/XX/XXXX ' a collection was assigned to a charged off amount that was " owed ''. 
This account was a joint-account with a former roommate. The amount initially agreed to was approximately $ XXXX dollars - half of the amount, since this was a joint account. No direct-communication was made after XX/XX/XXXX. 

In the most recent credit report from XXXX, it now states a balance of {$1300.00} -- and that 49 % paid off. In which both entries are 1. ) inaccurate 2. ) Completely false.

A screen shot of email dialogue between the original furnisher : XXXX and or " internal '' collections of original debt -- states an actual amount due ; approximately $ XXXX {$590.00}. 
The email was uncovered, A screenshot was taken, the black and white pdf was uploaded onto the credit agency 's website. 

In XXXX of XXXX, a follow-up call was made to XXXX 's customer service. A new dispute was filed regarding the inaccurate amount, the agent documented and- retrieved the uploaded document. The collection item, was promptly updated -- within 24-36 hours with the revised amount. 

XXXX month later, the item resurfaced -- I was never notified of the action taking place on my account. No letter was ever sent to my address; indicating the updates, and or the actions that took place with the customer service agent. 

It has now been approximately five years since the item was sent to the collection agency ; IQDATA. Origins of the debt is furnished in a state I no longer reside in. 

I never signed any agreements, or made direct contact -- aside from disputes through the credit agency 's, for the inaccurate amount that is due.
Product: Credit card

I noticed XXXX separate fraudulent accounts appearing on my consumer FICO credit report with XXXX which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at on XX/XX/year> under the account number, amount of XXXX  XXXXand credit card opened credit card company on XXXX XXXX, under the account number with the amount of {$3500.00} and another credit card on XXXX XXXX under the tamount of {$8800.00} and XXXX XXXX XXXX XXXX XXXX at credit card open on XXXX XXXX and with the amount of {$7800.00}. These accounts have resulted in XXXX fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I put a freeze and fraud alert on my XXXX but it does not appear anything was resolved and asked them to send verification the agent was not helpful in resolving this XXXX data breach exposed my information I would like the items deleted from my credit profile my name is its causing me to obtain housing for my family.
Product: Checking or savings account

on XX/XX/, Schwab bank failed in sending money to XXXX XXXXXXXX. ( please, see attached documents )
Product: Payday loan, title loan, or personal loan

My car was paid off and I never recieved the title to my car. I have been calling for 6 days and no one seems to know where is the title. I will appreciate if you ask this company to send me my title.
Product: Credit card

I have contacted Them at least 4 times to ask for documents to explain why they did not comply with Federal Law 15-USC 1681 623a7 and UTAH LAW UTAH XXXX. XXXX XXXX SEE ATTACHED.. All I did was ask them to proof, they have ignored all my request. in addition they have been notified that the other credit reporting agencies have corrected this error, yet they have a calloused disregard for following the law. I have attached a letter from XXXX telling me that info.
Product: Mortgage

The Money Source ( XXXX ) holds a mortgage on the home of my elderly mother. The property insurance and real estate taxes ( local , county and school taxes ) are to be paid by XXXX from her Escrow Account. 
Having recently taken over management of my mother 's financial affairs by Power of Attorney, I discovered that XXXX does not timely pay the school tax assessment against her real estate for more than a year, causing the the annual school taxes to accrue interest and costs until such time as a tax lien is placed upon her property. Once a tax lien is assessed against the property does XXXX discharge the tax debt. 
This XXXX practice had caused hundreds of dollars to accrue in interest and penalties on the taxes before being paid -- all of which are paid by mother. In fact, her monthly mortgage payment just increased ~ $ XXXX  monthly because of an escrow deficit which I'm certain is caused by her being assessed costs and interest taxes go unpaid until her property has a tax lien. 
I have written to them twice and yet to receive a response.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank - XXXX XXXX  has NOT been reporting my payments to any of the three credit bureaus since XX/XX/2020! I have bank statements and XXXX XXXX  account statements confirming " on time '' payments every month. But if you look at my XXXX, XXXX  and XXXX reports they all show X 's for  the past six months to date?? I am now paying more each month then my minimum payment due and there still is incorrect reporting on my credit reports. For the past few months I've gotten a Credit Help Agency to dispute the false report. No change. I called XXXX XXXX/Comenity Bank Customer Care last week. They confirmed all of my on time payments and saw that I was paying more than the minimum required. They could not understand why the credit agencies were not reporting it. PLEASE correct my 2020 payment history on my credit report with XXXX, XXXX   and XXXX.
Product: Credit card or prepaid card

I have been waiting almost 3 weeks for my unemployment card that my job filed for me to receive. I have been trying to contact the card company and my local office even online I just need to know if my card is even coming I am contacting you XX/XX/2020 2020
Product: Student loan

From XXXX XXXX through XXXX XXXX, I had issues with ACS not updating my payments properly, charging me with late fees and coming up with increasing larger, but never really explained amounts in arrears. I will attach my payment history which shows only two late payments in two years, followed by my paying extra amounts to catch up and paying out a large sum to catch up on what they said was in danger of being delinquent though not accounted for. I never defaulted and even though dealing with illness and hospital bills, I never neglected to pay even if it was just my regular payment. ACS, now Conduent called me multiple times a week multiple times a day at all hours and I also answered and explained my situation and made payments. Some of the customer service reps even advised me of times to pay to avoid credit reporting consequences. In XXXX, around the time I learned that I had been hit with bad charges related to the XXXX and XXXX breaches, I saw where ACS/Conduent had reported multiple 60 and 90 day payments delinquent. It made a huge dent in my credit score, and like the actions taken by the company in my other complaint, are incorrect, unwarranted, and a detriment to my position as a cleared XXXX. 

I wrote to ACS/Conduent and received a reply that they had no control over the reporting and to reach out to XXXX. I reached out to XXXX and was told to go to Conduent. Neither of them answers the phone or returns voicemails. I attached the email chains for your reference. 

I didnt realize it, but this treatment is very close to that complained about in the recent lawsuits https : XXXX? XXXX and https : XXXX. Unfortunately, Virginias XXXX has not joined this effort and so I am reaching out to you. 

This characterization of my payments and the credit reporting is false and I would like it removed. Also, it cuts against my livelihood, which I need to pay the loans back. It is difficult to understand why a lender and services would want to harm the source of their payments.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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: Checking or savings account

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I contacted Barclays Bank Delaware about executing a transfer from a joint savings account my wife and I own to a joint checking account we own outside of Barclays Bank but established as an external account in XXXX. The purpose of this expedited transfer was to complete a timely bill payment. No additional communication was received from Barclays, and they did not complete the transfer as requested until XX/XX/XXXX, despite their having received supplemental identity verification information - images of a government-issued drivers license - requested to further verify our identity and rightful ownership of the external account. 

At approximately XXXX p.m. XXXX XX/XX/XXXX, I attempted to access the same online savings account at Barclays Bank Delaware using previously with the pre-established UserID and password. I was immediately directed to a message stating, " Your account is currently restricted. Please contact customer care at XXXX Monday to Sunday, XXXX am to XXXX pm ET for assistance. '' As prompted, I contacted customer care and completed the ID verification to speak with a customer service representative about my account. Upon reading the message about my account being restricted to the customer service representative, I was informed the account was restricted due to the transfer of XX/XX/XXXX, and that no one would be available to lift the restriction unless I contacted Barclays Bank again on Monday. I protested that no communication of such a restriction had been delivered to my wife nor I about this issue and that it was highly irregular to be denied access to a savings account without no one available to provide due process. I requested to speak with a supervisor. The customer service representative stated that none were available because it was after business hours. I requested to speak with whomever was responsible for the Barclays Bank customer service availability between " Monday to Sunday, XXXX am to XXXX pm ET '' and was told there was no supervisor. 

At the very least, I believe these experiences violate the terms of my service agreement with Barclays Bank Delaware. I expect the restriction on our account to be immediately lifted so that the account information and funds I am entitled to without such barriers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi, i have contacted XXXX  numerous times since there are several inquiries on my credit report that i did not authorize and they refuse to investigate and remove unauthorized inquiries on my credit report, they keep insisting that these inquiries are staying on my report for 2 years. 
These are the following inquiries that i do not recognize and did not authorize. 
XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX Card, XXXX  Card, XXXX  Card, XXXX  of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  Card, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Card, XXXX, XXXX Dept of Justice, XXXX XXXX XXXX Thank you for your help
Product: Debt collection

Stayed at these apartments, my apartment was infested with XXXX spoke to the office and they said they weren't going to do anything. Bought out of my lease, there should be no balance
Product: Credit reporting, credit repair services, or other personal consumer reports

ATG CREDIT LLC is a collection agency collecting for XXXX XXXX XXXX  in the amount of {$4300.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.