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

An unverified Chapter XXXX Bankruptcy is on my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Reporting agency disclose to me all the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting on my credit report. They have responded by saying that these accounts have been verified. I would like copies of the documents that they have in your files that were used to verify them. If they do not have any documentation in their files to verify the accuracy of the disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Product: Debt collection

I am reaching out to challenge the presence of the XXXX entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this XXXX should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( XXXX ), XXXX XXXX : Account No. is XXXX ( {$7500.00} ), XXXXXXXX XXXX  : Account No. is XXXX ( {$7600.00} ), XXXX XXXX XXXX XXXX Account No. XXXX ( {$2000.00} ) has violated my rights. 

Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( ( XX/XX/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: Debt collection

I am a XXXX XXXX XXXX veteran. Common wealth financial has put a {$1800.00} charge on my credit report for a medical bill that belongs to the VA. In XXXX the VA was held responsible for not paying medical bill including mine. This shows on my credit report as of XXXX XX/XX/XXXX. I do not accept responsibility for this charge. I ask that this charge be removed from my credit report immediately. I have not been to the emergency room for well over 2 years and if I was it would have been covered by the VA.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account listed on my credit report. The account ending in XXXX was a credit card account for which I was only an authorized user. I was removed as an authorized user before my mother closed this account, however, it's still showing that I'm an authorized user on a closed account. I called multiple numbers for Citi, including multiple customer service numbers and their credit counseling department. Nobody was willing or able to remove me as an authorized user, and it's having a negative impact on my credit report.
Product: Debt collection

Never received notice of collection nor proof of debt/breakdown of fees. Disputed w credit bureaus but never received response for request of debt validation. Has caused extreme damage to credit report. I want proof of debt including all names of contact, dates, what was sent and to whom & also written contract that states this can be reported. I also need original creditor info and alleged date account opened and closed with them. Also need information if any and all other creditors whom attempted collection on this alleged debt and how much debt was sold for and date sold, these are my rights under fcra. This collection was removed from XXXX  but not XXXX or XXXX. 
I consumer and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : XXXX XXXX XXXX XXXX XXXXXXXX : 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit card or prepaid card

Attempted to pay my Express bill ( via Comenity ) through the Express app, however, it immediately asked for my bank account info to add the pay method. I could not add it as it already existed. I could not go on to a different screen to make a payment. I tried logging in via a web browser and it did not recognize the password. Attempted to reset but my phone number and email were not listed so I could not receive a reset code. Tried using ComenityXXXX  XXXX, but the site said my information did not match an existing account. I called the numbers listed on my statement, as well as on the website, but the automated system disconnected each time after a message stating they are working to resolve the intermittent disruption in service and to use XXXX ( which does not work ).
Product: Debt collection

I would receive constant letters from midland credit management saying they were going to sue me in court for a debt that was claimed to be under my name. I began payments to them and was sent a document saying " Due to the age of the debt, we will not sue you or report to the credit agencies ''. They scared me into paying this debt that was not mine by saying they would sue, and after payment said they could not because its old
Product: Payday loan, title loan, personal loan, or advance loan

Mariner Finance is reporting a charged off loan as as a delinquent account monthly. Im a 100 % XXXX veteran and am no longer a resident of Virginia where the loan was issued. This is a loan from 2017 and theyre still reporting each month incorrectly. Ive challenged the info with the credit bureaus and they arent responding with accurate data.
Product: Debt collection

Person calls my cell phone number and asks for my wife. I ask who it is, they give a first name and start asking for personal info before they can proceed. I ask what the call is about, what their company does, and they state for privacy concerns they can not disclose any information. I ask if they are attempting to collect a debt and again they state they can not disclose any information until we verify who we are. This has happened for months with the same result. Today I insisted they tell me what the call is about or what their company does and they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which Equifax, and XXXX  wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation solve the problem. They said they have verified it but did not give details on how their investigation went..Just remove the accounts asap DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a late payment in XXXX to equifax. 
The acct has been closed for years, there is no way i have a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Reference # 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: Debt collection

as of  XXXX  or earlier   XXXX   was reported a {$570.00} balance, this is after I ended my contract with a   XXXX    balance in  XXXX . I have asked numerous times for proof of the contract agreement and the finally bill and receive d nothing..   XXXX  and erc are giving me the run around
Product: Debt collection

On XX/XX/XXXX, I received a letter from XXXX XXXX Tankel of Tankel Law Group indicating an outstanding amount of {$1000.00} for HOA dues, with a lien date set for XX/XX/2023. 
In response, I dispatched a money order amounting to {$400.00} via certified mail. Concurrently, I notified XXXX Tankel through email about the dispute over the account and my disagreement with the cited charges. 
Following this, I approached our HOA 's property management company and on XX/XX/2023, was provided with copies of available contracts. The property manager, XXXX XXXX XXXX, confirmed that our HOA has no existing contract with Tankel Law Group. Contradictorily, XXXX Tankel claims a contractual relationship and I have yet to see evidence of this alleged agreement. 
Beyond the initial sum, I have been presented with an additional {$600.00} in legal fees, segmented into {$250.00} and {$350.00}. XXXX Tankels justification for these was the drafting of two distinct letters on the same day, both a DEMAND LETTER and a RENT DEMAND LETTER. The reasoning for sending both, especially the RENT DEMAND LETTER, seems superfluous given that one of the property owners ( my sister ) resides at the given address. The subsequent explanation regarding our mailing address listed a XXXX XXXX further muddles the situation as why we received a Rent Demand Notice when there's not an existing tenant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The list of account below has violated my federally protected consumer rights to " Accuracy and Fairness of Credit reporting '' under 15 U.S. Code 1681 ( a ), ( 1 ), ( 4 ), and Compliance and Procedures under 15 U.S. Code 1681e ( b ). 

XXXX XXXX XXXX XXXX Account # Has violated my rights XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX  Has violated my rights Accounts # XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX Has violated my rights XXXX. No Account # was posted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 hard inquiries from XXXX credit on my Transunion report provided by XXXX XXXX Two from XXXX XXXX on XX/XX/19 and XX/XX/19, and one from XXXX XXXX in XX/XX/19. I only applied for one loan so I would expect to only have 1 hard inquiry.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised again. While reviewing my records, I noticed numerous items that do not belong to me. Being meticulous about my research, I discovered that under Section 605B of the Fair Credit Reporting Act ( FCRA ), you are legally required to remove any inquiries identified as resulting from identity theft. The disputed inquiries do not belong to me. I have attached the necessary FTC Report, as required by both parties. Please remove these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I submitted a compliant against Resurgent Capital Services LP CFPB case number # XXXX. Resurgent Capital LP indicated in their response to my previous complaint that they would submit for account # XXXX negative Tradeline to be removed from all three of my credit reports on XXXX of XXXX please review attachment sent, however the negative account has continued to be report onto all three of my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. : # XXXX, XXXX XXXX  : # XX/XX/year>, has violated my rights.
Product: Credit card or prepaid card

On XX/XX/2022 I received a Credit Card in the mail for BofA XXXX. This CC was in my former married name of XXXX XXXX XXXX. This name was changed 10 years ago. I thought it was a scam trying to get me to open a CC. Then the next day I received a statement in the mail for {$59.00}. Monday XX/XX/2022 I went to BofA and told them what was going on. They looked up the information and discovered that there was a fraudulent BofA Mastercard also. Both issued XX/XX/2022 in my former name. 
Both CC 's have been closed and there has been a hold placed on my Credit with all 3 credit report Companies. 
The CC account # 's with Bof A were : Partial Account # XXXX Address ID # XXXX Credit limit {$6000.00} Partial Account # XXXX Address ID # XXXX Credit limit {$7500.00} XXXX XXXX  Police Report XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX
Product: Credit card

We opened a Barclays Master Card account to pay the maintenance fee for a time share with XXXX. We used the card 1 time to pay the fee off in 6 months with no interest charge. We paid the first payment after receiving the notice but we never got a notice of the next payment due and forgot. After several months, we received a call telling us the full payment was due with a late fee. We paid the full amount and the account was closed. This all transpired in XX/XX/XXXX and XX/XX/XXXX. Today I received a phone call from XXXX XXXX saying we owed {$380.00} on the credit card amount. The reason they gave was that when we made the last payment that there was a penalty and interest that were due not included in the amount given to us. So for a year they have been adding interest and charges on an account that had been closed for some time. In the meantime, we have been working with a representative of XXXX to give them back our XXXX properties. For this gift of a deed for a XXXX, AZ resort and XXXX XXXX, we have to pay {$750.00} in title fees. We were told by this representative to ignore the latest maintenance fee bills that we would not be charged for them. Today, the person calling from the credit card said we still owed the credit card fee. We feel that we in good faith had paid that account off based on the amount we were given by XXXX/Barclays MC. We disagree with the amount and feel that any law allowing them to do this is unfair and should be outlawed. The consumer should have some protection. We also would like those charges to be removed, the account closed and a letter sent to us and XXXX XXXX showing a XXXX balance on our account. Thank you for your help. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

I had a credit through my XXXX, my lawncare service for applications and I had a XXXX application on my lawn that would cover the cost. Even with the credit, XXXX called about the debt and recently received a collection notice, even though I had a credit that was in excess of the amount owed.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX  XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$700.00}
Product: Vehicle loan or lease

I bought a car from XXXX XXXX XXXX for XXXX they didnt tell me I was leasing a used vehicle than they added an additional loan of XXXX dollars on top of my car when I disclosed my information with title code:15 usc 1662 b in I was still charge.. I cant get the title because XXXX XXXX XXXX XXXX
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # 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 and 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. 

Additional Inaccurate Information : XXXX has failed to remove inaccurate name fraud : XXXX XXXX report has a section of the consumer report that lists secondary names which reports ( Also Known as " XXXX XXXX XXXX '' ). I have notified XXXX, still no change after I sent in an FTC report and Fraud Affidavit with driver 's license and social security card attached.
Product: Debt collection

I XXXX XXXX entered a consumer credit transaction with Exeter Finance LLC on XXXX XXXX, 2019. I requested Validation of this debt, and Exeter Finance LLC failed to provide it. This is violation of 15 USC 1692g.
Product: Debt collection

Credence Resource Management is trying to collect a debt " on behalf '' of XXXX XXXX from me. This alleged debt is over five years old, so it doesn't look familiar to me. I am not claiming that this alleged debt is fraud or identity theft. I informed Credence Resource Management that I will pay the debt if it is rightfully mine and to validate the debt by sending me the original contract between me and XXXX XXXX with my original signature on it. I also asked that Credence Resource Management confirm that they have legal right to collect on this alleged debt. Credence Resource Management has not sent any documentation with my signature on it nor have they sent me proof that they have legal right to collect on this alleged debt. I have requested this information from Credence Resource Management on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have not validated this debt. I have also requested that this alleged debt be validated by XXXX and XXXX twice. I was told by XXXX that the collection agency does not have to provide any information to them and all that is required by the collection agency is their signature stating that what they are reporting is accurate and true. This debt has not been properly validated.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have noticed some fraudulent accounts and unauthorized inquires on my credit report. 

Accounts XXXX. XXXX XXXX {$150.00} XXXX. XXXX XXXX {$520.00} Inquiries XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have tried on numerous occasions to learn why Chase Mortgage charged me over {$500.00} and passed this fee on to the new mortgage servicer, XXXX XXXX. I have asked on numerous occasions for documents as to why they felt they could charge me this ridiculous fee without my permission. I have asked for documentation of something showing I authorized them to charge this fee. They have not provided this to me. Someone named, XXXX XXXX, sent me a letter dated XX/XX/2020 saying the Note or Security Instrument signed at closing gives them permission to protect their interest in the property if the account is past due. 

- First - the account has NEVER been past due - Secondly - I asked for this document they say I signed and to date they have not provided it to me. 

What's at stake right now is I have been paying extra on my mortgage every month, but the current servicer has applied this money to the fee that Chase Mortgage erroneously assessed to my account. Now my amortization schedule is off and I will end up paying more interest than I had planned.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX XXXX XXXX XXXX  account # or reference # XXXXXXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX ending in account # XXXXXXXX XXXX XXXX XXXXXXXX ending in account # XXXX 15 U.S.C 1681 Setion 602A states I have the right to privacy.

15 U.S.C 1681 Setion 602A also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Earlier this month I submitted a claim by phone to Citi for a fraudulent purchase made using my Citi Double Cash Card account. The purchase was made on XX/XX/2024 in the amount of {$3200.00} at XXXX XXXX # XXXX in XXXX XXXX, NY. 

At the time I reported the claim, the Citi representative who was assisting me on the phone asked me if I still had the card in my possession. I responded that I did because I honestly believed I did still have it. I knew I had not dropped the card ; my wallet had not been stolen ; my pocket hadnt been picked, and I had no recollection of doing anything that would have caused me to lose the card. 

It was not until a few days later, when I went to use the card, that I realized I did not in fact have it. I then reported this by phone to another Citi representative and told her that I had been mistaken earlier when I said I still had the card. I asked her to note this in her records and she told me she had done that. 

I have now learned that my claim was denied because, since it appears that an individual had my physical card when they made the purchase at the XXXX XXXX, that I am presumed to be that individual. This is completely unjust. The additional information I provided to the second Citibank representative was completely disregarded. I am now told that I must pay the amount of {$3200.00}. 

I have had accounts at Citibank for over 20 years. I currently have two checking accounts, two credit cards and a debit card with Citibank. Over the years, I have had a mortgage with Citibank and two Citibank XXXX XXXX loans which I have fully repaid. I have been an honest, loyal Citibank customer for over two decades. I expect Citibank to believe me when I say I made a mistake in thinking I still possessed the card in question.