23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Theres been a collection on my account that Ive been trying to dispute for fraud and somehow its still appearing on my credit. Im not aware of the account from midland funding.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I received a notification from the credit bureaus that my credit score had decreased by XXXX points due to a late payment on a credit card. I have never had a late payment on a credit card, or a late payment in general. I have 8 active credit cards, a mortgage, and 2 cars. My credit card bills are always paid on time because they are always on automatic billing. So when I applied for and received a Chase Sapphire card, I mistakenly assumed that the automatic billing for the first 2 credit cards would transfer to the 3rd one since all of the credit cards are in the same portal in the Chase app. And since I signed up for paperless billing, I did not know that the bill was overdue until it was already past the 30-day mark, XX/XX/XXXX, XXXXThis {$210.00}. I paid the bill immediately, but the damage was done. My credit score dropped XXXX points and it will take years to recover. I immediately tried to contact Chase and have been trying to reach customer service regarding this issue with no contact with a live human since XX/XX/year>. Chase 's phone system makes it impossible to talk to a human. Today, XX/XX/year>, 3 months after the late payment, I finally reached a customer service representative, who was entirely unwilling to help. I requested a goodwill letter from Chase stating my excellent credit history ( 0 late payments across several years ), so that I can show it to the credit bureaus and get the late payment taken off my record. In a world of increasing greed and deregulation of big corporations like Chase, customers expect that making one mistake in 10 years of credit card history, won't ruin an entire lifetime of financial planning. 


Additionally, I was supposed to recieve XXXX reward points from chase after spending XXXX in the first 3 months of opening the account, but I never received that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

XXXX XXXX is falsely reporting a collection account on my credit report. I have no knowledge of debt. Validation of debt was request from company with original creditor payments history and any person/persons involved In debt but was not giving information as required My ssn was used in a data breach by republic date and this inquiry is a result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. 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 do not 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Since XX/XX/2022, Jefferson Capital has repeatedly used deceptive, false and misleading practices. They first tried to collect a debt in California even though they were not licensed in the state to properly conduct business. They also threatened to sue me, told me to seek a lawyer and told me the account is being sent to a lawyer but then stated maybe not which they can not make that assumption which would be considered a threat not an action. This company is using shady and harassing business practices and should be fined.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card

on XX/XX/XXXX I was charged {$3300.00} on a credit card. At the time I was no longer employed by XXXX nor did I give any permission. In fact I had been informed after I left that they had forgotten even though my separation process had been discussed months in advance. I contacted XXXX and was told my disagreement would be passed on. 
After follow up and no word I found my credit card that was used for advetising and XXXX XXXX XXXX insurance ( {$210.00} a month ) that was no longer authorizede or active with the company was charged the disputed amount without my knowledge, consent or approval. 
When I contacted Bank of America they decided that being my card had been used in the past for much lesser amounts it was now consistent and my dispute was denied. In addition it was established that the monthly charges had been suspended in XXXX of last year by mutual agreement, due to my termination from the company. There was no answer to how Bank of America justified a disputed amount that was approximately XXXX any previoius charge. Further more they decided that despite the documentation I provided showing that there was no balance due upon my termination and the admission by my superior that they had simply forgotten would have allowed me the opportunity to clarify or take a different path. Instead they chose to illegally charge my card when I no longer was employed. 
This is a dispute between myself and XXXX XXXX XXXX XXXX. I was allowed to resign due to XXXX XXXX XXXX XXXX. There was never any mention of any repayment of any signing bonus when we discussed my departure. 
The company had no valid expectation to receive any renumination from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name # XXXX XXXX XXXX Account number # XXXX Account type # Collection Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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. 

Account name # XXXX XXXX Account number # XXXX Account type # Rental Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act 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. 

Account name # XXXX Account number # XXXX Account type # Charge Card Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act 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.
Product: Money transfer, virtual currency, or money service

I had gotten scammed and I had no idea I could not get my money back as I was not protected
Product: Credit card

My fiance added me as an authorized user to her credit card. I do not wish to be an authorized user on her credit card. I called the company, Citi Bank, to remove myself and was told that because she is the card hold only she can remove me as an authorized user. In other words, I was added as an authorized user, yet I can not remove myself from the account without the card holders permission. 

To be clear, I am not claiming fraud. I gave my fiance permission to add me. My complaint is that I am told that I am not able to remove myself.
Product: Mortgage

I made XXXX mortgage payments in XX/XX/XXXX to Gregory Funding, LLC in XXXX XXXX, California. XXXX payment was made by check in the mail and another payment was by telephone also during XX/XX/XXXX. 

Gregory Funding, LLC responded by transferring my loan to XXXX XXXX in XXXX, South Carolina. When I contacted XXXX XXXX in XXXX, South Carolina to make my first payment on XX/XX/XXXX, the IVR indicated that the payment amount was {$4200.00}. 
This is the amount that Gregory Funding alleged that I owed when in fact I made XXXX mortgage payments during XXXX of XXXX. 

Similarly, in XXXX I paid the real property taxes to XXXX XXXX XXXX XXXX Maryland which should have been paid by Gregory Funding. I requested that I be refunded from Gregory Funding approximately ( {$2700.00} ) Gregory Funding did not respond to my request for a refund of the monies paid for the property taxes. 

Finally, in retaliation, Gregory Funding, LLC transferred my loan to XXXX in violation of my rights under various Federal statutes because I was challenging their nefarious business practices. 

I respectfully request your assistance in this matter.
Product: Credit reporting or other personal consumer reports

the said credit reporting agency has not yet updated the CORRECT PERSONAL INFORMATION and has went past the date and time prescribed by the F.C.R.A
Product: Mortgage

I have a loan with CitiMortgage, and for 18 months it was being paid by XXXX because I am in a hardship situation. So when that ran out, I applied to Citi for help and they said they would try to modify the mortgage. Well months later they agreed to a modification on a four month trial basis, and if all went well, it would become permanent. I learned that my loan was serviced by Fannie Mae, and my Citi contact helped me set up the payments for the 4 months to be deducted from my checking acount automatically. The XXXX one went well, and then I learned that my mortgage was transferred to XXXX XXXX XXXX, and tons of paperwork with it, of course. I was told the XXXX payment should be sent to XXXX XXXX and I advised, or tried to, both XXXX and XXXX XXXX that it was to come out automatically on the XXXX of the month prior to the XXXX when it was due. Well now I was told Citi was no longer handling the loan at all, and I would have to talk to XXXX XXXX, however, XXXX XXXX told me that it had not yet been transferred completely so they did n't have all the info. After many calls, I finally got a XXXX manager, and he told me to send in my XXXX XXXX payment, which I did. The interestiang thing that happened was when I check my bank account XXXX XXXX, looking for XXXX 's automatic entry, it had disappeared. They were not listed as one of my debtors at all and even if it 's a single payment they should be so I could not verify the information that was set up. The XXXX payment due XXXX XXXX was taken out on XXXX XXXX and that was it. So in talkng to XXXX they say they ca n't talk to me cause they no longer have the loan, and XXXX tells me that it is not yet transferred completely. Where is it, in the clouds with all the other wireless stuff? XXXX Housing Agency is helping me now, they have in the past and they suggested I contact you. Thank you for being there. I am a XXXX trying to maintain my home to the best of my ability.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : 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 of XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX. 
These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX - Account Number : XXXX XXXX Account Number : XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit card

Ordered a First Progress Credit and submitted {$500.00} as security in XX/XX/2014It took a many weeks for them to process the card. 
I never went over the credit limit set with my deposit of {$500.00} but they immediately started charging fees and interest on my money. 
I called to ask about this and was told that is their policy. I cancelled the card in XX/XX/2014. They continued to send me bills. I called again and sent them a letter in XX/XX/2014 to again try to cancel. They sent me a letter agreeing that they would cancel. They said I owed them Approximately {$60.00}, how I do n't know since it was my money. 
I reluctantly agreed and they said they would send me a final bill. 
It is now XXXX and I have called a number of times. They continue to send me bills adding on interest and charges even though account was closed. 
They are very unresponsive and I feel that this Company is scamming people. 
They are very untrustworthy and prey on people trying to reestablish their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to remove two accounts off of my credit two times via certified mail. XXXX, XXXX  and Transunion have not helped me at all! I am seeking to get this resolved. I think my identity was stolen or I was hacked because these accounts arent mine.
Product: Payday loan, title loan, personal loan, or advance loan

I received an email on the XXXX of XXXX stating I needed to change my password because an XXXX XXXX had access my account in XXXX. Then I received an email today XX/XX/XXXX stating that my first payment is due on XX/XX/XXXX for my installment loan. Upon further investigating I found out someone took out a loan for {$500.00} and the repayment is {$580.00}. At no time did I do this. I called the company and asked to speak to the fraud department and they keep giving me the runaround saying someone will call me but then XXXX hours no one has called me yet. I was told by the representative that the person that took out this loan their name was XXXX but they put my information in
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XXXX XXXX I was notified that there was a security breach with Equifax. I learned from their website that I am effected by this and it is likely my full name, social security number, address, and even my drivers licence number has been stolen by criminals, and I may experience possible identity theft. I am now advised by a different website to freeze my credit, as well as take many other steps to try and monitor the situation- costing me much time, effort, and money.
Product: Debt collection

XXXX XXXX XXXX XXXX debt to collections when it was paid in full by my insurance company for a short XXXX XXXX on XX/XX/XXXX for an amount of {$1700.00}. I have proof from my insurance company that they paid it in full and it shows simply in a breakdown that it was completely covered. 

XXXX XXXX XXXX XXXX false delinquent debt to First Financial Resources , Inc based out of XXXX, MA on XX/XX/XXXX. They contacted me several times and I finally got them to send me an email to send them proof that this debt was paid in full by my insurance back in XXXX of XXXX. They claimed that the insurance payment was invalid as " XXXX XXXX XXXX not have any contract with my insurance company at the time. '' They then reported my debt as " collections charged off '' on my credit even though they had no legal standing to do so. A collections charged off is a major negative remark and I want it removed and my credit restored properly. 

This charge off occurred on XX/XX/XXXX, 3 months after I provided them with proof of payment in full and on time from my insurance provider.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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: Debt collection

On XXXX XXXX, XXXX, I received a phone call from XXXX XXXX OF the Frontline Collection Agency, stating that a previously held joint credit card from the time of my marriage was still in existence. XXXX XXXX insisted the outstanding balance was my responsibility as my name was on the acAcount during my marriage. He requested that I put the outstanding balance on a credit the day of the call. XXXX XXXX incorrectly reported the outstanding amount due as being {$7000.00}. 

I informed XXXX XXXX that this was not my debt and that I had no obligation to pay the debt. I requested the information be sent to me in writing, which XXXX XXXX did. The email I received further added that the debt must be paid by XX/XX/XXXX, which had not previously been mentioned and legal action was threatened. 

I have no reason to believe there is any joint account subsequent to my divorce. A Property and Support Settlement Agreement was signed by my husband on XX/XX/XXXX and by me on XX/XX/XXXX. Both signatures were duly witnessed by NOTARY PUBLICS. This document was ratified into a Final Decree of Divorce is filed in Circuit Court of XXXX County, Virginia. 

The section titled OBLIGATIONS FOR PRIOR DEBTS reads as follows : The parties acknowledge and agree that all joint marital debt has been paid in full and there are no longer any open jointly titled credit cards, and in the event, that this is not correct, such joint accounts will be closed forthwith. The parties agree that any debt incurred by either party shall be the sole and separate responsibility of the party incurring such debt, and each shall hold the other harmless and indemnify the other in this regard. 

Additionally, I have never received by post, by email, or any other method, a bill, or any correspondence with information having to do with the account. If my husband left a joint account open, it was in violation of a court order. 

I want this account removed from my credit report.
Product: Credit card

My card was used to purchase an XXXX XXXX XXXX XXXX via XXXX XXXX. The trip was to take place XX/XX/XXXX. The card was initially charged for the deposit upon booking. The final charge set to be charged XX/XX/XXXX. The card was used for other expenses however paid in full well over 30 days prior to XX/XX/XXXX. An email was received from XXXX vacations at XXXX XXXX stating the transaction was declined. An email from AMEX at XXXX was received stating there was a credit limit change to the account. After calling twice to attempt to get this resolved or questions answers, it was told by a service representative that the charge was declined and at that time a review of the account which the decision to lower the credit limit, AFTER the transaction was declined. The service representative could not provide much more information other than the scripted file an appeal after 5 days upon request to speak with a supervisor, it was met with I am just as capable and declined to be transferred. After requesting again, I was placed on hold only to be told minutes later that no one was able to talk and that I would receive a call back the same business day. No call back was received. Our XXXX wedding anniversary trip has now been cancelled. The emotional toll this situation has cause, less than 30 days before the trip is to take place. The lack of customer service, knowledgeable assistance and support was and still deplorable. The way that AmEx is conducting business by declining transactions and lowering credit limits within a few minutes timeframe is 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. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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, credit repair services, or other personal consumer reports

Im re filing this issue in relation to case XXXX. Transunion responded that they would delete the information i disputed and they still have yet to do that. This case needs to be reevaluated to have items deleted from my credit report. I've attached file for refence. Transunion response was " in response to your request, the following actions were taken on your credit file : Other miscellaneous actions take based on your request were : Inquiry - DELETED ''