23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I realized after a while that my credit score was not accurate as a result of Elan financial services failing to report my actual account balance for a long while. I reached out to then via secure message but they dismissed my concerns saying that the information they reported is accurate. I even disputed the innacurate information they have about my card balance with both transunion and XXXX but they still refused to provide them with the accurate information. I was looking to apply for a mortgage loan but the two condos sold within a period of 4 weeks while I waited and waited for Elan financial services to do due diligence but it was to no avail. I do not know what to do now since my lease expires soon and the apartment office is pressuring me to give them an answer or will automatically renew my lease for another 12 months with penalties if I break the extended lease afterwards. 
Elan financial services has not reported to transunion since XX/XX/2023. 
They told XXXX my balance is over my credit limit at 102 % ( thus, {$8100.00} out of {$8000.00} ) the last time I disputed. 
XXXX has since sent me a denial letter stating the I formation is accurate and current although it is clear as day that they have no report from Elan Financial services for a while. 
My credit card utilization is now high due to the inaccurate information reported by XXXX and transunion as a result of Elan financial services failure to report my account status since XX/XX/. 
Please help me or my credit will not be at the point I need to avoid an unreasonably high borrowing interest rate given the current housing market issues. They have already cost me two opportunities.
Product: Mortgage

I move in a mobile home in XX/XX/2014. The person I be lived to b buying took my XXXX. Down pmt. An return in XXXX months asking me to catch up on pmt. I realize he was not going to sign the general warranty deeds I drew up.a greentree workers shows up XX/XX/XXXX. Telling me what I need to pay r get out of the home. I explain to XXXX the deal XXXX XXXX made with me an. I would b willing to pay XXXX a month just give me a blance to start.i recived calls that were rude as if I was a child. Anyway I agreed to send XXXX post dated cks. After the first pmt. I gave to them in person of XXXX they refuse to send me a invoice .so I am thinking whom an what am I paying for. After talking with them I find out this owner has been dead XXXX yrs. An I will never get a title to move it without lots of loops. Now they r demanding pmts. After I brought the pmts current. I have not sent a pmt. Until I get records for me saying what I owe an why I am being over charged an charged for ins. I was not the one whom started this mess an I do n't plan on being left clueless. Like I told her I been here lil. Over a yr. An I only have to envoies mailed to me. XXXX yet making pmt. Thru my bank r cks.she tells me they been mailing them but they were in XXXX. I told her I could not open his mail just like her asking me to post date XXXX cks. She explain I pick a date an send them an she will enter them each month. Now I am late with fees an no paperwork to describe what I will own.very upsetting to me as a single parent trying to b productive an grow in life yet. They r allowed to tell u get out r make a pmt. I think I am ready to take action to avoid more troubles.can u help? I have talk to many workers yet they tell me they can not give me information on the loan an expect to b payed. I am clueless not a dumb.
Product: Debt collection

I received a Garnishment letter from my HR department for a garnishment for a item that is in collections. I was not aware of this item and never received any summons or judgment in order to fix this before garnishment.
Product: Mortgage

my mortgage was transferred to shell point from XXXX XXXX loan servicing on or about XXXX XXXX but prior to and long before it was transferred to shell point my loan was in loss mitigation in a on going short sale, when it was taking over by shell point in XXXX after sometime i received a letter stating that shell point was the servicing company for the loan so i contacted them and was told that my documents where being upload into there system and it would take 30days for that to happen and asked to check back after that time period, and i did so after that, i spoke to shell point and was asked to send in the updated listing agreement and letter of dispute of value which was sent on XX/XX/2020, and was told it would be reviewed about week later a was told that new a appraisal would need to ordered, well about mid XXXX everything shut down because of the COVID-19, but that didn't seem to stop shell point from disobeying the state mandate to stop all foreclosure proceeding as well as the California homeowners bill of rights that all foreclosure action is to cease while the borrower is in the mist of loss mitigation, shell point didn't request any other documents until after they filed a foreclosure NOD, so it was a clear disregard for the law and flat out lie that my file was not in loss mitigation because XXXX had stopped all foreclosure action when they had the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I called equifax @ XXXX Asked for the fraud dept spoke XXXX employee id # XXXX the person hung up on me three times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I am writing this complaint regarding XXXX XXXX XXXX. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I  have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME.

They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020.
Product: Money transfer, virtual currency, or money service

I wired {$10000.00} to Coinbase on XX/XX/XXXX and the funds have yet to clear my trading account as of XX/XX/XXXX. The XXXX website reads that wires clear within one business day. I have gone through the online support method twice with no repsonse and have called to discover that there is not support for these matters over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted countless verification letters to Experian and XXXX in reference to medical accounts reporting on behalf of XXXX/ XXXX XXXX XXXX. Not only have they failed to comply in providing the requested verification documents ; once I followed up with a request of their method of verification Which allots them 15 days to respond .... this was failed on their end as well. They simply sent back notice if " verified ''. This is unacceptable and not in compliance according to the FCRA. Furthermore I have never released any if my medical information to this reporting third party ; so this may very well place these companies in violation of the HIPPA Act as well. I would like these accounts removed Immediately based on these violations.
Product: Debt collection

I don't know who XXXX XXXX XXXX is? But GLA verified this collection twice. I also mailed a direct letter to XXXX, XXXX XXXX XXXX, but no response to my questions. I thought the furnisher had 30 days to respond to a direct dispute?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 EXPERIAN Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting actXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX Collection Agency Name : AMERICAN COLLECTIONS E Collection Agency Address : XXXX XXXX XXXX XXXX XXXX VA XXXX Collection Agency Phone number ( XXXX ) XXXX Date : XX/XX/XXXX Re : Acct # XXXX To Whom It May Concern : This letter is being sent to you in response to your recent letter. 
This is not a refusal to pay, but a notice that your claim is disputed. Under the Fait Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX XXXX 
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPPA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPPA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and the State Bar associations for violations of the FDCPA, FCRA XXXX and Federal and State statutes on illegal collection activities on any account that may be time barred as well as in violation of Maryland medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report Account Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Account Number : XXXX Delete this account.
Product: Student loan

We are co-signors for a loan my son, XXXX XXXX had. Apparently, he stopped paying his loan in XX/XX/XXXX when the collection attorney assigned by Citizen 's Bank no longer used this attorney. We acknowledge he should have called the bank and resumed paying his loan. The problem is that we, as co-signors of the loan were never advised. On XX/XX/XXXX, we noted that {$10000.00} was removed from our checking ( {$3000.00} ),  savings ( {$5500.00} ) and my other son 's checking account ( {$2000.00} ) without any notice. We received a letter from the bank, dated XX/XX/XXXX but not received until XX/XX/XXXX that they were doing this. Had we known of the non-payment issue, we could have worked with my son and the bank to resume the payments and to pay towards the outstanding. When we called the bank, they said they were within their rights to do this. I disagree as the XX/XX/XXXX bank form they sent ( we have been members of the bank since XX/XX/XXXX ) showed they could apply setoffs, but they never advised us there was a dispute. This is creating a hardship to be able to pay bills and replenish my other son 's account ( which was his savings to begin paying his loan once he graduates from college ) from my retirement savings.
Product: Credit card or prepaid card

I reviewed the statement on a credit card. I've had a credit card through Citi for 10 years, since I was XXXX years old. Today, I noticed a charge for payment safeguard program. I don't recall signing up for this program. I did some research and found that the CFPB settled with Citi regarding its deceptive practices of signing customers up through the payment safegaurd program. I contacted a representative through Citi 's mobile app chat system, and requested to cancel Citi 's Payment Safeguard Program. I was told to call Citi 's 24/7 hotline to cancel, and that my request was not able to be done online. I called the number the online representative gave me. I was transferred twice before I got a hold of the representative who purportedly was to handle my request to cancel. However, the person told me that I am not able to cancel through the 24/7 hotline as I was previously told, and that Citi only allows people to cancel during business hours on Monday-Friday. I informed the representative my concern of being shuffled around to cancel a service through Citi I did not want. I believe Citi is continuing its deceptive practices and intentionally created a system where consumers face obstacles to cancel its add-on services.
Product: Debt collection

The mortgage is simply the security agreement which you signed fraudulently because they failed to disclose. Read 15 USC 78c Section 10 ; your promissory note is a Security. Its not a promissory note. A promissory note can not exceed the life span of nine months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX wont remove the inquiries that I didnt make
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that is inaccurate and I have tried resolving this with the company and credit bureaus twice now!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX Acct # 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.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2022, 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 XXXX ( 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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$8300.00}
Product: Money transfer, virtual currency, or money service

A balance transfer was done on XX/XX/2019 from XXXXXXXX XXXX  XXXX to Citibank Line of Credit. 
The transaction went through without a problem. After several weeks funds were never deposited to Citibank Line of Credit. A call was made to Citibank as an inquiry about the transfer. Citibank informed us they do not accept balance transfers. At that time, XXXX XXXX XXXX was contacted with the request the transaction be cancelled and funds returned to credit card. An investigation was done by XXXX XXXX and we were informed on XX/XX/2019 that Citibank had cashed the check # XXXX in the amount {$850.00}. We then contacted Citibank that same day with the information XXXX Bank provided us. After our phone conversation with Citibank, XXXX XXXX, the funds of {$850.00} were deposited in our Citibank checking plus overdraft account the next day. No one had any explanation as to who had the check or why was it deposited in the Citibank checking plus account overdraft. 
Upon using the money for bills the following day, Citibank reduced the checking plus overdraft funds by {$1300.00} thereby taking back about {$100.00} of the funds made available with the transfer check that was cashed to that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I notified the Equifax of inaccurate & non-compliant accounts as well as other errors being listed in my Consumer Reports generated by Equifax. After not receiving any correspondence from them, I notified them again of my concern of the previously mentioned violating accounts on XX/XX/2022, and I still have yet to receive any correspondence about their efforts to correct the errors and correct my consumer report. Not only is Equifax in violation because of the inaccurate and character defaming items reflecting on my Consumer report generated by them, but they have also ignored my rights as a consumer granted by the Fair Credit Reporting Act to correct any and all errors being reflected in my consumer reports. This issue has caused substantial financial restrictions making me unable to continue my pursuit of economic involvement as a member of society but has also caused a major blemish on my character and reputation.