23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute with Citibank has been ongoing since XX/XX/2022. It took extremely longer than 30 days for anything to be addressed which is the catalyst to why improper reporting even took place. After initiation of the dispute my account was closed. This created difficulty submitting requested docs via the portal and accessing their responses as Citi suspends consumer online accounts as a result of account closures. I have proof that telephone correspondence was to no avail even after getting multiple Citibank 's representatives recorded, admitting to the dispute mishandling and promising to correct the inaccurate reporting, no accountability has been taken. Ciitbank refuses to stand behind a multitude of their trained staff. 

As of recent, the Citi 's Executive Response Unit has been handling this matter. They have sent out two notices. One admitting that they feel the XXXX host still deserves the right to be paid despite illegally recording, my family of 6 including XXXX XXXX children in the XXXX, which is against XXXX and Fair Housing policies. They also sent out a second letter acknowledging that I was led to believe corrections would be made to the account that they now refuse to honor. 

They only thing they've honored is removing the late fees from XXXX XXXX. However, if you deem that the late fees should be reversed due to the account being in dispute this whole time, why don't you agree that my credit report ( which has a way larger impact ) shouldn't reflect the same? 

Instead, they are sharing inaccurate information that is no longer reflecting on their side and I DO NOT CONSENT TO THAT INFORMATION BEING SHARED. They keep adding remarks to my credit report without my request when everything should be removed. They are aware of the multiple recordings that I have from XXXX, XXXX, XXXX, XXXX, XXXX, etc that all have said that my account should not be in that status during dispute and the negative reporting should not have been made. Yet, they will act as-if they are doing the consumer a favor by reversing fees that shouldn't have been imposed while their life is falling apart due to inaccurate and unfair credit reporting. 

I will be pursing Citibank for the damages their actions alone have caused as many other creditors have retaliated as a result of their claims despite my due diligences and efforts.
Product: Debt collection

AmerAssist had been calling me from multiple numbers and blocked numbers multiple times a day. I told them that they are trying to collect on a debt with no bill sent, just that its from XXXX XXXX XXXX, who i have already spoken to ( months ago ) and they confirmed that it was billed incorrectly. I had XXXX XXXX XXXX with them, and i paid UP FRONT for all costs associated with the procedure. In fact, they wont even let you have the procedure done until you pay your balance up front. I spoke to this office months ago and the woman informed me that it was billed incorrectly. But apparantly this has never been fixed on their end, as they decided to try and tack on another XXXX $ after i had satisfied my balance with them ( which again was paid prior to my procedure ). I informed them that i have also met my out of pocket maximum, and my deductible ( for the last two years ) and that i only go to in network practitioners, so i should not owe anything to any of my doctors, and if I did, i pay it directly in office. 

AmerAssist called me again and i informed them ( again ) that it wasincorrectly billed ( which happens quite often with doctors offices and facilities ). The woman snapped at me, said they would report it to my credit, and at that point i asked them to cease and desist. AmeriAssist has continued to harass me, call me, send me mail, after i have officially asked them to cease and desist. I have another letter dated XX/XX/21 that arrived in my mail box today, so they are in direct violation of the FDCPA at this point. I would like them to stop harassing me, and id like them to stop threatening negative action on my credit. I am tired of debt collectors taking advantage of people, and not even validating the debt before harassing consumers. They need to take this up with the doctors office, who needs to fix the billing mistake, and hasnt.
Product: Debt collection

I provided information to the detective that handled the case where my purse was stolen at XXXX XXXX. In XXXX  the man that stole my purse was released and none of the original items from my purse never were returned to me. In XXXX  my phone stopped working for a week and someone had to be using my information to takeover my bank accounts, phone service, and emails. I never applied for a XXXX XXXX XXXX. XXXX XXXX Charged this debt off. XXXX XXXX also did a 1099C on this debt and turned around and sold the debt to a collection agency. I'm prepared to go to court and prove my claim. Again, I'm saying that I am absolutely not responsible for this credit card. I want to see the proof with my signature and loa documents that I approved this account. I want to also see proof where my telephone was used to activate the card and I want proof that this card was indeed delivered to my place of residence. This is the case and the detective on the case. Here is my police report number is XXXX the detective that handled the case is Detective XXXX of The XXXX Police Department. His direct line is ( XXXX ) XXXX this detective will be in court to back my story.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a new credit card from BMO Haris Bank. The bank provided a phone number ( XXXX ) to activate the card on it. I called the number from XXXX on Friday the XX/XX/XXXX at XXXX XXXX and a man answered the calls after waiting for about 30 minutes. However, the person hung up my call without solving the problem and was very rude. They issued a credit card and does not want to activate the card. It affected my credit score. This Bank has a history of discriminating against people. I have a checking account with this bank. If there were a problem they could just deny my checking and credit account for the first time without affecting my score.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit and i expect immediate corrective action per section 605B of the Fair Credit Reporting Act i request removal within XXXX business days from the date of receipt of this letter the inquires were from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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, 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 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 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: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

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: Credit card or prepaid card

Bank of America will not allow me to set a pin to my card. They have no record of my social. In order to set a pin they need to correct the last XXXX of my social to XXXX.
Product: Debt collection

Summary : There is a default judgment on my XXXX credit report for a defaulted credit debt that is not my debt. How do I remove it? 

This complaint concerns XXXX businesses : XXXX XXXX XXXX XXXX XXXX ( credit grantor, wholly owned by XXXX XXXX , XXXX ) Midland Funding LLC ( collection agency assignee ) The Law Office of XXXX XXXX XXXX, XXXX. ( legal reps of Midland Funding LLC in debt collection civil litigation ) In XX/XX/XXXX, I was served notice of pending legal suit for a person named " XXXX XXXX XXXX XXXX XXXX XXXX. '' I am not this person. I have never used either name to apply for credit. My name is similar. I was served at my residence. 

Attorney XXXX XXXX mailed to my residence 2 letters seeking settlement of a defaulted credit debt in XXXX XXXX ( prior to suit ) and XXXX XXXX ( after filing suit ). He represented Midland Funding LLC, a debt collector assignee of credit grantor XXXX XXXX. XXXX. XXXX XXXX ( XXXX XXXX ). In XXXX XXXX, Midland Funding mailed a letter to my residence informing me for the first time the existence of this debt. 

I answered the complaint with an affidavit denying all allegations in the complaint, including that I was not the defendant. They served the wrong person. Apparently, a default judgment was entered in XXXX XXXX. Shortly thereafter, the judgment appeared on my credit report. 

I want to get it removed. 

How do I do that? 

Do I have to file a motion to vacate with the court, even though the name on the judgment is " XXXX XXXX, '' not mine? Can the judgment be vacated because the real debtor was never served? 

Do I contact the attorney XXXX, who I sent my certified mail my sworn affidavit denying it was my debt? 

Do I contact Midland Funding, the debt collector? 

Or do I have to go to the original grantor of the credit and dispute everything? 

Should n't Midland Funding, and its Attorney XXXX, be held responsible for ruining my credit possibilities ( I 've been turned down numerous times because of this error )? The judgment is for {$4100.00}. 

Thank you for whatever help you can provide in resolving this issue.
Product: Credit reporting or other personal consumer reports

Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, Transunion has neglected 2 times, to comply with the previous. Transunion after receiving a certified letter via USPS, including the 2 ID theft reports made to the Federal Trade Commission, suffered after the data leak from certain payment processor, for insurance companies including but not limited to XXXX XXXXXXXX XXXX XXXX XXXX XXXX Transunion and XXXX neglect removal for unrecognized inquiries from : XXXX XXXX on XX/XX/XXXX Transunion fails to verify and provide sufficient info, and does not provide verification providing my authorization. 2 ) transunion can not ask for my SS card, ID and proof of address, fraudulently trying to distract regulators, after being provided via USPS certified mail. 3 ) transunion, affects the consumer financially, by lowering the credit score for more than XXXX points, causing a mortgage lender to increase by XXXX bps the 30 yr rate for a mortgage this month, liable for the impact after : A ) receiving second dispute via USPS registered Mail with returned receipt evidence, including FTC idtheft reports, ID, SS card, and report number. B ) transunion fails to provide any kind of verification documenting my bearing signature with those creditors. C ) transunion omits to overview the letters received previously carefully, and the against evidence, in an effort to avoid liability, and the potential court claims for defamation, and disclosure of private information. Second letter delivered XX/XX/XXXX. Transunion is in a breach of the FCRA, and applicable civil codes related to privacy, and against the FTC mandate for ID Theft cases.
Product: Debt collection

I XXXX XXXX XXXX XXXX entered into a consumer credit transaction with Drivetime XXXX XXXX, XXXX XXXX : Drivetime XXXX XXXX on XX/XX/2017. A consumer consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but, that Drivetime XXXX XXXXXXXX XXXX XXXX XXXX Drivetime XXXX XXXX took cash. The finance charge is suppose to include insurance, but that Drivetime XXXX XXXXXXXX XXXX XXXX : Drivetime XXXX XXXX made me purchase insurance separately.
Product: Debt collection

Good Day This is a formal complaint against XXXX XXXX. On XX/XX/XXXX a certified letter with return receipt was sent to the company requesting validation of debt they stated I owed. I have no recollection or knowledge of the debt in question so I wanted and requested that the provide me with any documentation referenced to the account Midland stated I owed. On XX/XX/XXXX, a letter from Midland was sent to my address stating that they opened an investigation regarding my dispute. The letter also stated that in the meantime they would not be contacting me by mail or phone unless to respond to the dispute requested by me. The letter was signed by the Consumer Support Services Manager, XXXX XXXX. The letter also stated that the law limits state how long I can be sued on a debt, and because the debt was beyond the statues of limitations for the State of Md. However, they would continue to report the debt as unpaid. 


First, they need to provide documentation that the debt does not belong to me. A letter stating how they are going to respond to letter does not show any proof that I owe this debt. I am simply requiring XXXX XXXX to provide the documentation. I have also disputed this account also with the CRA 's for verification ( XXXX, XXXX, and XXXX  ) prior to requesting validation with the collection agency Midland. So the letter sent to them was my second attempt to resolve the situation with Midland. 


Sincerely, Consumer
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I am a co-signor on a bill consolidation loan for my daughter from Freedom Financial. She has been having financial difficulties since her mother passed away from XXXX and became depressed and got behind in her bills, so in her despair she asked me co-sign a bill consolidation loan {$7800.00}. Freedom plus loan number XXXX. 
They sent me a letter stating that the account was 50 days past due and threatened reporting it to my credit bureau, which they did and my credit score went down XXXX points. Now I received a second threat because I haven't paid her past due balance.. I am on a fixed income and can barely pay my own bills and they showed no empathy for my or my daughter 's situation. Very callous in my opinion!
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 XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # 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: Credit card or prepaid card

On XX/XX/XXXX I was charged XXXX & XXXX from a merchant in XXXX TN, XXXX  by XXXX. Upon my check out Sunday morning I reviewed my CC charges with the general Manager XXXX. She was able to confirm that the charges on my Capital One card will be removed because I used my CC ending in XXXX XXXX XXXX. I was charged XXXX for my total from Friday XXXX. I disputed the charges with Capital One, provided proof of the charges on several occasions. I provided, the GM 's business card, signed documents provided by Capital One and the receipt showing the card I used. Both charges are still on my account despite my many attempts at calling & trying to resolve with them. I am frustrated because I am being charged interest on charges I DID NOT MAKE. I really need someone else to step in and help resolve this matter. I can submit any proof needed
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to look into a delinquency on my report. The information on it was incorrect. That was on XXXX XXXX. It is now XXXX XXXX amd i have not recieved any info on it. Its supposed to be removed from my report after 30 days if i dont get a response.
Product: Credit reporting or other personal consumer reports

My Personal information was stolen XX/XX/year> and used to open up unauthorized Credit Cards and Loans, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reported these illegal fraudulent activities and the company insist that I am held accountable and keeps contacting me to pay this account debt.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries and I have asked for them to be removed the bureaus did not do like I asked. I am providing an identity theft form, I am requesting these be removed they are inaccurate. 
Experian FACTUAL DATA XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Removal date XX/XX/XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account # XXXX has violated my rights. Under 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Under15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

I received a call from the obudsman team, in which a representative mentioned I would receive hard copy notification and for me to respond quickly with signature and return swiftly. On that day, I wasn't feeling well, however the subsequent day I was able to complete the task by signing and obtaining notarization. Per the receipt, expected delivery was Friday XX/XX/XXXX. 

I would like to note the date that appeared on the document was 2023 passed.
Product: Student loan

Over 2 years ago, I requested a manual review of almost 33 payments XX/XX/XXXX to XX/XX/XXXX that have been labeled as ineligible payments for PSLF programs and have not received a reply. I have called FedLoan and have been told there is no timeline for these requests. 

I am now requesting help to have this review completed as I am now over 120 payments but can not have loan forgiven, because these payments are not being counted. I have been told that the payments that were initially marked as ineligible are due to being on the wrong repayment plan, payment outside of the payment window, and no bill being due. I am on the correct payment plan, and did not pay outside the payment window. I believe without my knowledge they put me in forbearance in order to complete the transfer of my loans. During that period, I was paying the loan, however, they were not counting it due " no bill ''. I have called FedLoan to request administrative forbearances be retroactively removed from my account. Prior to FedLoan, I was paying Direct Loans since XX/XX/XXXX and it was switched to FedLoan in XXXX. However, FedLoan only has records from XXXX even though my loans were consolidated and being paid from XXXX. Attached are my tax returns, on line 18 were you can see the student loan interests being paid. If I was not paying my student loans, I would not be able to complete that on my tax forms. 

Can you help me get the manual review completed on the eligibility of my payments through FedLoan Servicing? ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To : TJX Companies Synchrony Subject : Credit Bureau Disputes Application Key Code : XXXX REF : XXXX Name : XXXX XXXX Zip Code : XXXX I had a horrible conversation with an agent named XXXX who sounded like she didn't speak XXXX. XXXX # XXXX I called your offices to file a dispute as you have mislead my in relation to the credit application and have without my consent made multiple credit bureau inquiries which I did not give you permission to do. These multiple inquiries have affected my credit score. I am requesting that you cease and desist with these deceptive tactics at the cash register trying to get people to apply. No one ever applies for a card and agrees for two credit bureau inquiries for some rinky dink store credit card. 

You need to remove these inquiries from my credit reports at XXXX  and XXXX  effective immediately or I will be reporting you to the Consumer Financial Protection Bureau as well as the XXXX XXXX XXXX for Fraud and Deceptive Advertising practices related to credit applications. Dodd Frank violations for misleading practices at the cash registers attempting to solicit applicaitons. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX