23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company ( Enhanced Recovery Co ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to  collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 


They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting

I have never been more than 30 days late with XXXX! My account is due on the XXXX of each month! They also called and offered me a deferment on XX/XX/XXXX and the they indicated that it was a promotion that they were running for all customers to skip XXXX XXXX 's payment. The customer service agent did n't put the extension in until XX/XX/XXXX, which is a mistake on XXXX 's end and not mine! I agreed to the terms and then 45-60 days late shows up on my credit report! I am demanding that this inaccurate information be removed from all of my credit reports and that includes Equifax , XXXX and XXXX! Even the resolution representative at XXXX requested that it be removed, because I have never been 30 days late. This is inaccurate information that must be removed from my credit report. As you see in the attachments is that I should not have a negative mark on my credit report. Under federal law the account has to be 30 days past due the due date to be eligible to be reflected on a credit report! They know that this information is erroneous and inaccurate. I was a few days late on XX/XX/XXXX 's payment and paid on XX/XX/XXXX, for XX/XX/XXXX, but I have never ever been 30 days late!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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: Mortgage

Begun to seek a review for loss mitigation of any kind to bring my loan current and Selene Financial employees are inadequate. This is a very stressful process and when the servicer of your loan is contridicting themselves and keep asking for documents you have already sent, it needs to brought to higher attention, I initiated a review the week of XX/XX/XXXX. Upon the review, I was advised to send in outstanding docs. 
Advised by supervisor to send in outstanding docs : Husband contribution letter ( I am not receiving income ) His bank statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All of his expenses Sent in everything on XX/XX/XXXX XX/XX/XXXX supervisor advises outstanding docs : Contributor needs to sign the application Profit and Loss statetement for contributor since he receives a XXXX ( independent contractor XX/XX/XXXX statment ( supervisor verified XX/XX/XXXX and XX/XX/XXXX on fille ) Sent everything in XX/XX/XXXX Called in to Selene Financial to be updated on review, supervisor ( XXXX ) again tells me about outstanding documents : Letter from me indicating I am not receiving income Husbands XX/XX/XXXX tax returns XX/XX/XXXX statement ... sent in XX/XX/XXXX Called today XX/XX/XXXX and was advised by one representative my husband income would not qualify as a contributor!!! 
Supervisor ( XXXX ) wouldn't confirm or even verify all docs that have been asked for up until this point have been received. 

Spoke to XXXX ... she verified all docs had been recieved on XX/XX/XXXX. 
She advised me I have not given them to review the packet. I asked what was the time frame of documents being reviewed. She advised 2-3 days and I had not given them time to review. Today is XX/XX/XXXX. Its been almost two weeks since I sent in what was requested In the meantime, the last bank statement expired on XX/XX/XXXX. 

I am believing the review is being conducted by several underwriters that is not looking at the whole picture of all doc requested. Its too many hands on this one loan. My heart goes out to anyone else in this situation. The package, according to what as been asked, seems to have been completed since XX/XX/XXXX. My loan is becoming more deliquent each month. I will not loose my house because of anything I done wrong. I have complied with this company and request for the modification.
Product: Credit card or prepaid card

XX/XX/XXXX, I went through the chase website to apply for the Sapphire Reserve card. I went through the online process and was approved - but for a different card ( Sapphire Preferred ). At no point in the process was it listed that I was applying for more than one card or a different card. I contacted the company immediately ( so XX/XX/XXXX ) and was escalated to a supervisor, who listed her name as XXXX XXXX I told her what happened and how I felt this was not acceptable and she told me my case would be sent to an internal review team. She also gave me a reference number - Ref # XXXX and said I would hear back 3-7 calendar days. 

On XX/XX/XXXX, after not hearing anything for 10 days, I called and asked to be escalated again. The gentleman on the phone told me that there was a record of my previous call, but that nothing had been sent to be reviewed, despite being told it had. He assured me he would send it for review and I would hear back in a few days. 

XX/XX/XXXX I received a short letter stating my card would not be changed and no further action would be taken. 

Being given a card I didn't apply for with no indication that I could be approved for and sent a different card seems very bad business and I am understandably upset. And I know I applied for the Sapphire Reserve card on the site, not the Preferred. Humans make mistakes, but I make my living on the web, including formerly doing Quality Assurance on websites. I didn't apply for the Preferred card.
Product: Credit reporting or other personal consumer reports

Pursuant to XXXX C.F.R. XXXX, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX  XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUT XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT The presence of these inaccuracies has caused significant XXXX  and XXXX XXXX to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, XXXX XXXX
Product: Credit reporting

Experian is displaying the creditor XXXX 4 times for the same XXXX account on my credit report pages XXXX and XXXX. This account is a fraudulent account that belongs to XXXX XXXX, not XXXX XXXX in which XXXX has admitted this is her account I never knew anything in regards to the account in which I attached a letter from XXXX XXXX. It is fraudulent credit reporting for XXXX and Experian to report the same XXXX account XXXX times on a credit report. I want the accounts removed immediately. Experian has refused to remove. It is not removed this time around, I have no choice but to seek legal representation as I have exhausted all options. Also, they are writing comments on my credit reports in which I want them removed.
Product: Debt collection

They called my place of work and spoke with coworkers about my tax debt. They were told previously that I was handling the debt with the state directly and to stop calling. Discussing my tax debt with my subordinates is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Have violated my rights. 

15 U.S.C 1681 section 602 A. State 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 and other adverse item of information, other than records of convictins of crimes which antedates the report for more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating ot a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to reach a person at Chex Systems to check the status of my dispute claim. Chex Systems does not offer an email address and their phone system is only an automated menu. Attempts to reach a representative result in " No representative available at this time '' despite the fact that their website says representatives are available during the times in which I call. It is therefore impossible to request a Description of Procedure Used to Determine Accuracy of Disputed Information and Notification of change both of which are rights guaranteed to me by FCRA.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. Equifax, and XXXX are consumer reporting agencies and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information.

15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. 

Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal.

In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 

XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to Equifax, XXXX, XXXX XXXX wether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX never informed me of my right to exercise my non disclosure. 

Equifax and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX is reporting a hard inquiry on my credit report without my knowledge or consent. I did no business with this company they should not have my personal information. They inquired on XX/XX/XXXX and set it to continue until XX/XX/XXXX. XXXX XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 American Express did a credit check for a credit card application. I saw this on my report and immediately called. I did not request this card. They immediately closed it and said they would remove the credit check inquiry from my report. Over the past year I have called five times asking to have this removed. I always get the run around to different departments, I did keep calling back one of the departments and they escalated this twice with no results.
Product: Vehicle loan or lease

The company is reporting as a charge off for a car that was stole and paid out by the insurance company. This is a big hindrance to me and is making my home loan process harder. 
The company originally removed this from my report and recently out it back on. 

Stated XXXX paid the car off back in 2014 once the car was reported stolen.
Product: Credit reporting or other personal consumer reports

Experian is reporting a negative account from XXXX XXXX  on my credit report. This account and balance do not belong to me ; it is a case of fraud or identity theft. I have attached XXXXXXXX XXXX XXXX from XXXX XXXX, which confirms this and requests the removal of the account. Please remove this invalid account as soon as possible.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I have recently received a copy of my credit report. The report had an account listed from your company as a credit card. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified. 
1. FDCPA section XXXX violation misleading false reporting XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Account was paid XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
I am writing this letter to you in an effort to get this removed. Please delete your information from my credit reports. I have never had an account with your company. If someone has opened an account in my name, please close it immediately before further harm is done. 
I am requesting that you notify all of credit bureaus that this account is " disputed '' or that you delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act. 
If there is any paperwork that I need to sign to confirm that this account is not mine, please send me the required documents. 
This is a written dispute of the this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX Bank XXXX, has violated my rights. Also Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the to privacy. 

15 U.S.C section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions These Accounts are also being reported inaccurately as open and as a past due accounts According to FCRA I have a right to a accurate credit report.
Product: Credit card

A few years ago I contact ed Citi bank  regardi ng my sears cr edit card account and inform them I will like to dispute the balance on my account because I 've been paying for this account for years and the balance has n't changed. If anything it has increased exponentially.   I also advised citi to not contact me by phone and and requested any sort of correspondence should be done via mail. Needles to say they completely disregarded my request and kept calling me and NEVER validated my balance or submit to me my request of original application for this account and the original Terms and Conditions. I keep paying on this account even though my request went on deaf ears. About a year or so ago I contacted them again and requested the interest rate on this account reduced so that when I make payments on the account it will actually help reduce the balance owed .... that request was n't honored. I then again requested a validation of this debt. Months went by and I never heard from citi again. As far as I 'm concerned they have violated the CFPB laws,  Udap, Fcra a nd multiple rules with respect to honoring my demands. Due to citis violations of these rules I am requesting that this account should be closed and deleted from my credit reports.     XXXX   XXXX   XXXX   also called me and mailed me with regards to this dey stat ing Citi sold t he account to them. I explained to the representative that this account should be closed and deleted from my credit reports due to Citis violations. The rep advised they will not be doing such thing. The rep then proceed to offer me a settlement offer, completely ignoring my demands. This collection agency has a horrible reputation for strongarming customers into paying disputed debts. I am her by asking this debt to should be closed and deleted from my credit report. I will be forced to hire a legal professional to assist me with the matter if citi and   XXXX   XXXX   refuses this request.   Thank you
Product: Credit card

Dispute claim # XXXX I made a purchase at XXXX XXXX of {$240.00}. When the purchase arrived, the item did not match the description on the website ( website indicated the shoes to be white, the shoes received were white with grey stripes, there was no mention of white stripes in the description nor were they shown on the image provided in the website ). I contacted Chase and was told to work with the merchant prior to filling a dispute, which I did. After several months of back and forth, the merchant refused to accept a return of the merchandise. They stated they no longer accept returns on XXXX items, even if they send the incorrect item. Because of this, I went forward with filing a dispute with Chase. Between falling ill, being out of state and the holidays, the dispute was not filed until XX/XX/. Chase now states I did not file a dispute in time ( they indicated I would have needed to file 4 days sooner ) for them to be able to recover funds. When i initially called, I was not advised of a timeframe, nor was a timeframe provided at the time the dispute was filed, had I been made aware of this, i would have skipped working with the merchant and filed the dispute right away. In the denial letter I received, it indicated the claim was not approved because I authorized the charge. I acknowledged authorizing the charge at the time of the billing dispute, the reason for the dispute was due to the goods received not matching the goods ordered. I have emails and photos that prove XXXX did not send the correct product, but was not allowed to provide any of this information. I feel this is a deceptive practice that allows the merchant and bank to work together to ensure the customer is unable to receive compensation.